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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 | $1,197 | $29,733-96.0% | $56,025-97.9% | $80,959-98.5% |
| Participation rate | 48.9% | 41.7%+7.2pp | 52.5%-3.6pp | 67.7%-18.8pp |
| Annual return | 10.74% | 35.28%-24.5pp | 1712.69%-1701.9pp | 35.67%-24.9pp |
| Employer contribution / active EE | $0 | $672-100.0% | $1,042-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $282 | $1,229-77.0% | $1,955-85.6% | $4,300-93.4% |
| Admin fee / account holder | $323 | $2,434-86.7% | $2,828-88.6% | $6,925-95.3% |