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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 | $4,007 | $113,338-96.5% | $94,993-95.8% | $147,586-97.3% |
| Participation rate | 34.8% | 78.0%-43.2pp | 73.9%-39.1pp | 82.8%-48.0pp |
| Annual return | 17.83% | 20.80%-3.0pp | 27.14%-9.3pp | 578.59%-560.8pp |
| Employer contribution / active EE | $0 | $3,160-100.0% | $2,603-100.0% | $4,876-100.0% |
| Participant deferral / active EE | $662 | $3,777-82.5% | $3,317-80.0% | $5,439-87.8% |
| Admin fee / account holder | $424 | $6,063-93.0% | $4,960-91.4% | $10,886-96.1% |