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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 | $7,458 | $60,442-87.7% | $96,754-92.3% | $87,485-91.5% |
| Participation rate | 64.9% | 58.7%+6.2pp | 70.3%-5.4pp | 68.9%-4.1pp |
| Annual return | 20.19% | 21.97%-1.8pp | 82.04%-61.8pp | 26.06%-5.9pp |
| Employer contribution / active EE | $0 | $1,691-100.0% | $2,679-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,577 | $3,280-21.4% | $4,758-45.8% | $4,274-39.7% |
| Admin fee / account holder | $978 | $5,069-80.7% | $8,905-89.0% | $7,775-87.4% |