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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 | $7,722 | $83,485-90.8% | $125,192-93.8% | $72,975-89.4% |
| Participation rate | 47.2% | 73.3%-26.1pp | 79.8%-32.6pp | 69.5%-22.3pp |
| Annual return | 25.43% | 25.77%-0.3pp | 43.79%-18.4pp | 81.01%-55.6pp |
| Employer contribution / active EE | $0 | $2,346-100.0% | $3,866-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $2,334 | $3,586-34.9% | $4,937-52.7% | $3,608-35.3% |
| Admin fee / account holder | $1,316 | $5,518-76.2% | $9,704-86.4% | $5,124-74.3% |