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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 | $4,278 | $58,848-92.7% | $88,179-95.1% | $82,637-94.8% |
| Participation rate | 65.5% | 57.9%+7.6pp | 69.1%-3.6pp | 68.1%-2.5pp |
| Annual return | 17.47% | 22.76%-5.3pp | 64.97%-47.5pp | 53.51%-36.0pp |
| Employer contribution / active EE | $0 | $1,678-100.0% | $2,549-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $1,000 | $3,124-68.0% | $4,614-78.3% | $4,126-75.8% |
| Admin fee / account holder | $892 | $4,795-81.4% | $7,673-88.4% | $7,339-87.9% |