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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 | $8,506 | $154,365-94.5% | $130,231-93.5% | $139,456-93.9% |
| Participation rate | 45.0% | 79.9%-34.9pp | 76.3%-31.3pp | 80.3%-35.3pp |
| Annual return | 49.69% | 30.34%+19.4pp | 38.77%+10.9pp | 373.45%-323.8pp |
| Employer contribution / active EE | $1,695 | $5,170-67.2% | $4,126-58.9% | $4,753-64.3% |
| Participant deferral / active EE | $3,648 | $8,498-57.1% | $6,799-46.3% | $6,711-45.6% |
| Admin fee / account holder | $588 | $9,214-93.6% | $6,020-90.2% | $11,407-94.8% |