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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 | $4,562 | $77,901-94.1% | $149,717-97.0% | $75,181-93.9% |
| Participation rate | 63.0% | 65.6%-2.6pp | 78.8%-15.8pp | 67.2%-4.2pp |
| Annual return | 92.79% | 31.73%+61.1pp | 134.41%-41.6pp | 160.69%-67.9pp |
| Employer contribution / active EE | $1,041 | $3,137-66.8% | $4,820-78.4% | $2,671-61.0% |
| Participant deferral / active EE | $1,670 | $3,411-51.0% | $5,682-70.6% | $4,126-59.5% |
| Admin fee / account holder | $1,073 | $5,949-82.0% | $13,213-91.9% | $5,650-81.0% |