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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 | $6,737 | $54,541-87.6% | $78,778-91.4% | $70,131-90.4% |
| Participation rate | 40.7% | 60.8%-20.1pp | 69.2%-28.5pp | 69.5%-28.9pp |
| Annual return | 19.66% | 21.07%-1.4pp | 35.62%-16.0pp | 73.14%-53.5pp |
| Employer contribution / active EE | $0 | $1,089-100.0% | $1,986-100.0% | $2,342-100.0% |
| Participant deferral / active EE | $1,137 | $2,210-48.6% | $2,958-61.6% | $3,332-65.9% |
| Admin fee / account holder | $745 | $3,709-79.9% | $5,134-85.5% | $4,645-84.0% |