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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 | $5,028 | $55,902-91.0% | $76,030-93.4% | $80,959-93.8% |
| Participation rate | 53.6% | 62.1%-8.4pp | 69.1%-15.4pp | 67.7%-14.0pp |
| Annual return | 21.68% | 20.59%+1.1pp | 361.54%-339.9pp | 35.67%-14.0pp |
| Employer contribution / active EE | $0 | $1,867-100.0% | $2,688-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,653 | $3,051-45.8% | $4,257-61.2% | $4,300-61.6% |
| Admin fee / account holder | $468 | $5,239-91.1% | $6,421-92.7% | $6,925-93.2% |