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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 | $6,552 | $72,269-90.9% | $101,271-93.5% | $79,852-91.8% |
| Participation rate | 58.5% | 68.5%-9.9pp | 75.8%-17.3pp | 69.6%-11.1pp |
| Annual return | 22.78% | 22.29%+0.5pp | 46.48%-23.7pp | 31.72%-8.9pp |
| Employer contribution / active EE | $0 | $2,692-100.0% | $3,660-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,085 | $3,282-36.5% | $4,371-52.3% | $3,740-44.3% |
| Admin fee / account holder | $360 | $4,401-91.8% | $5,948-93.9% | $5,306-93.2% |