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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $10,647 | $45,152-76.4% | $73,835-85.6% | $59,633-82.1% |
| Participation rate | 45.5% | 64.0%-18.6pp | 73.4%-28.0pp | 68.7%-23.2pp |
| Annual return | 0.55% | 27.40%-26.9pp | 2268.13%-2267.6pp | 2041.40%-2040.8pp |
| Employer contribution / active EE | $495 | $1,901-74.0% | $2,788-82.2% | $2,203-77.5% |
| Participant deferral / active EE | $957 | $2,573-62.8% | $3,583-73.3% | $3,192-70.0% |
| Admin fee / account holder | $1,482 | $3,515-57.8% | $4,880-69.6% | $4,297-65.5% |