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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 | $2,282 | $51,207-95.5% | $70,565-96.8% | $75,177-97.0% |
| Participation rate | 52.8% | 61.0%-8.2pp | 68.4%-15.6pp | 67.2%-14.4pp |
| Annual return | 30.26% | 30.05%+0.2pp | 32.79%-2.5pp | 160.75%-130.5pp |
| Employer contribution / active EE | $0 | $1,826-100.0% | $2,976-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $920 | $2,850-67.7% | $4,568-79.9% | $4,126-77.7% |
| Admin fee / account holder | $1,014 | $4,097-75.3% | $6,430-84.2% | $5,651-82.1% |