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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 | $10,013 | $72,486-86.2% | $87,103-88.5% | $72,976-86.3% |
| Participation rate | 47.1% | 72.8%-25.8pp | 76.9%-29.8pp | 69.5%-22.4pp |
| Annual return | 32.99% | 24.46%+8.5pp | 28.19%+4.8pp | 81.02%-48.0pp |
| Employer contribution / active EE | $0 | $1,894-100.0% | $2,521-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $2,771 | $3,270-15.3% | $4,049-31.6% | $3,608-23.2% |
| Admin fee / account holder | $1,110 | $5,055-78.0% | $7,491-85.2% | $5,124-78.3% |