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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 | $5,667 | $64,920-91.3% | $103,693-94.5% | $86,983-93.5% |
| Participation rate | 46.7% | 63.6%-16.9pp | 72.6%-26.0pp | 69.5%-22.9pp |
| Annual return | 36.98% | 30.29%+6.7pp | 47.61%-10.6pp | 25.83%+11.1pp |
| Employer contribution / active EE | $0 | $2,141-100.0% | $2,920-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $790 | $3,241-75.6% | $4,579-82.7% | $4,194-81.2% |
| Admin fee / account holder | $743 | $6,191-88.0% | $7,858-90.5% | $7,856-90.5% |