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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 | $5,738 | $53,128-89.2% | $86,582-93.4% | $70,126-91.8% |
| Participation rate | 61.8% | 65.3%-3.5pp | 73.5%-11.8pp | 69.5%-7.8pp |
| Annual return | 12.96% | 27.66%-14.7pp | 965.08%-952.1pp | 73.15%-60.2pp |
| Employer contribution / active EE | $0 | $2,068-100.0% | $2,839-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $783 | $2,695-71.0% | $3,609-78.3% | $3,332-76.5% |
| Admin fee / account holder | $363 | $3,584-89.9% | $4,904-92.6% | $4,645-92.2% |