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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 | $2,786 | $45,343-93.9% | $150,298-98.1% | $67,986-95.9% |
| Participation rate | 42.8% | 51.9%-9.1pp | 77.8%-35.0pp | 57.2%-14.4pp |
| Annual return | 21.30% | 33.28%-12.0pp | 62.79%-41.5pp | 31.67%-10.4pp |
| Employer contribution / active EE | $0 | $1,462-100.0% | $4,154-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $844 | $2,055-58.9% | $5,453-84.5% | $3,358-74.9% |
| Admin fee / account holder | $533 | $2,250-76.3% | $14,116-96.2% | $3,203-83.4% |