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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 | $1,120 | $27,936-96.0% | $58,561-98.1% | $75,173-98.5% |
| Participation rate | 40.0% | 38.8%+1.2pp | 50.9%-10.9pp | 67.2%-27.2pp |
| Annual return | 18.84% | 44.21%-25.4pp | 4251.33%-4232.5pp | 160.72%-141.9pp |
| Employer contribution / active EE | $0 | $670-100.0% | $1,053-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $376 | $1,202-68.7% | $1,923-80.4% | $4,126-90.9% |
| Admin fee / account holder | $348 | $1,727-79.9% | $2,520-86.2% | $5,651-93.8% |