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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 | $10,738 | $50,643-78.8% | $106,619-89.9% | $55,167-80.5% |
| Participation rate | 60.8% | 65.6%-4.8pp | 78.0%-17.2pp | 69.0%-8.2pp |
| Annual return | 6.31% | 7.02%-0.7pp | 9.42%-3.1pp | 169.23%-162.9pp |
| Employer contribution / active EE | $0 | $1,626-100.0% | $3,947-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $1,607 | $2,208-27.2% | $3,930-59.1% | $3,054-47.4% |
| Admin fee / account holder | $967 | $488+98.2% | $6,418-84.9% | $504+91.9% |