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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 | $57,057-92.4% | $85,009-94.9% | $80,874-94.7% |
| Participation rate | 60.5% | 56.4%+4.1pp | 67.5%-7.0pp | 67.6%-7.2pp |
| Annual return | 14.17% | 21.66%-7.5pp | 66.47%-52.3pp | 35.62%-21.5pp |
| Employer contribution / active EE | $0 | $1,799-100.0% | $2,728-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $2,001 | $3,112-35.7% | $4,522-55.7% | $4,297-53.4% |
| Admin fee / account holder | $1,118 | $4,986-77.6% | $6,153-81.8% | $6,935-83.9% |