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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 | $7,555 | $78,690-90.4% | $161,489-95.3% | $87,485-91.4% |
| Participation rate | 36.4% | 67.5%-31.1pp | 78.7%-42.3pp | 68.9%-32.6pp |
| Annual return | 14.58% | 32.74%-18.2pp | 89.72%-75.1pp | 26.06%-11.5pp |
| Employer contribution / active EE | $0 | $2,588-100.0% | $4,268-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $1,581 | $3,311-52.3% | $5,630-71.9% | $4,274-63.0% |
| Admin fee / account holder | $300 | $6,724-95.5% | $16,006-98.1% | $7,775-96.1% |