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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 | $6,364 | $163,687-96.1% | $108,745-94.1% | $273,972-97.7% |
| Participation rate | 29.4% | 82.3%-52.9pp | 77.7%-48.3pp | 83.0%-53.6pp |
| Annual return | 25.43% | 31.16%-5.7pp | 46.22%-20.8pp | 41.46%-16.0pp |
| Employer contribution / active EE | $0 | $4,711-100.0% | $3,323-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $2,130 | $7,155-70.2% | $5,121-58.4% | $5,287-59.7% |
| Admin fee / account holder | $4,857 | $12,890-62.3% | $6,144-20.9% | $10,133-52.1% |