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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 | $4,308 | $57,073-92.5% | $85,126-94.9% | $80,925-94.7% |
| Participation rate | 60.5% | 56.4%+4.1pp | 67.5%-7.1pp | 67.7%-7.2pp |
| Annual return | 14.17% | 21.69%-7.5pp | 66.63%-52.5pp | 35.65%-21.5pp |
| Employer contribution / active EE | $0 | $1,801-100.0% | $2,731-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $2,001 | $3,113-35.7% | $4,523-55.8% | $4,299-53.5% |
| Admin fee / account holder | $1,118 | $4,988-77.6% | $6,160-81.8% | $6,940-83.9% |