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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 | $7,629 | $57,140-86.6% | $85,240-91.1% | $80,959-90.6% |
| Participation rate | 63.8% | 56.4%+7.4pp | 67.5%-3.7pp | 67.7%-3.8pp |
| Annual return | 14.81% | 21.71%-6.9pp | 66.75%-51.9pp | 35.67%-20.9pp |
| Employer contribution / active EE | $0 | $1,802-100.0% | $2,735-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $3,461 | $3,115+11.1% | $4,527-23.6% | $4,300-19.5% |
| Admin fee / account holder | $1,951 | $4,992-60.9% | $6,165-68.3% | $6,925-71.8% |