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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 | $2,076 | $36,948-94.4% | $73,658-97.2% | $87,485-97.6% |
| Participation rate | 41.9% | 46.8%-5.0pp | 57.0%-15.2pp | 68.9%-27.1pp |
| Annual return | 20.38% | 28.64%-8.3pp | 29.72%-9.3pp | 26.06%-5.7pp |
| Employer contribution / active EE | $0 | $670-100.0% | $1,032-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $362 | $1,379-73.8% | $2,062-82.4% | $4,274-91.5% |
| Admin fee / account holder | $473 | $2,531-81.3% | $3,357-85.9% | $7,775-93.9% |