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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 | $3,971 | $43,496-90.9% | $161,489-97.5% | $64,340-93.8% |
| Participation rate | 66.9% | 53.5%+13.4pp | 78.7%-11.8pp | 55.2%+11.7pp |
| Annual return | 19.61% | 20.76%-1.2pp | 89.72%-70.1pp | 24.14%-4.5pp |
| Employer contribution / active EE | $0 | $1,431-100.0% | $4,268-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $903 | $1,996-54.8% | $5,630-84.0% | $2,980-69.7% |
| Admin fee / account holder | $1,377 | $2,330-40.9% | $16,006-91.4% | $3,703-62.8% |