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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 | $61,125-90.7% | $94,057-94.0% | $87,485-93.5% |
| Participation rate | 46.7% | 64.1%-17.4pp | 73.3%-26.7pp | 68.9%-22.3pp |
| Annual return | 36.98% | 35.20%+1.8pp | 480.62%-443.6pp | 26.06%+10.9pp |
| Employer contribution / active EE | $0 | $2,136-100.0% | $2,933-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $790 | $3,260-75.8% | $4,709-83.2% | $4,274-81.5% |
| Admin fee / account holder | $743 | $5,629-86.8% | $7,244-89.7% | $7,775-90.4% |