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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 | $6,038 | $60,442-90.0% | $96,754-93.8% | $87,485-93.1% |
| Participation rate | 67.9% | 58.7%+9.2pp | 70.3%-2.4pp | 68.9%-1.0pp |
| Annual return | 25.83% | 21.97%+3.9pp | 82.04%-56.2pp | 26.06%-0.2pp |
| Employer contribution / active EE | $0 | $1,691-100.0% | $2,679-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $1,845 | $3,280-43.8% | $4,758-61.2% | $4,274-56.8% |
| Admin fee / account holder | $1,339 | $5,069-73.6% | $8,905-85.0% | $7,775-82.8% |