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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 | $28,227 | $87,132-67.6% | $105,624-73.3% | $80,959-65.1% |
| Participation rate | 60.2% | 70.4%-10.2pp | 75.3%-15.0pp | 67.7%-7.4pp |
| Annual return | 25.32% | 17.03%+8.3pp | 116.20%-90.9pp | 35.67%-10.4pp |
| Employer contribution / active EE | $0 | $2,397-100.0% | $3,168-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,804 | $3,985-54.7% | $5,013-64.0% | $4,300-58.1% |
| Admin fee / account holder | $3,599 | $8,449-57.4% | $10,961-67.2% | $6,925-48.0% |