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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 | $4,929 | $86,938-94.3% | $102,423-95.2% | $80,925-93.9% |
| Participation rate | 64.5% | 72.4%-7.9pp | 76.5%-12.0pp | 67.7%-3.1pp |
| Annual return | 22.96% | 18.89%+4.1pp | 29.42%-6.5pp | 35.65%-12.7pp |
| Employer contribution / active EE | $0 | $2,369-100.0% | $3,023-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $1,966 | $4,120-52.3% | $5,054-61.1% | $4,299-54.3% |
| Admin fee / account holder | $778 | $8,053-90.3% | $9,455-91.8% | $6,940-88.8% |