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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 | $3,059 | $47,105-93.5% | $68,368-95.5% | $67,986-95.5% |
| Participation rate | 48.5% | 51.8%-3.3pp | 73.8%-25.3pp | 57.2%-8.7pp |
| Annual return | 21.53% | 48.37%-26.8pp | 292.57%-271.0pp | 31.67%-10.1pp |
| Employer contribution / active EE | $0 | $1,859-100.0% | $2,649-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $603 | $2,374-74.6% | $4,123-85.4% | $3,358-82.0% |
| Admin fee / account holder | $446 | $2,435-81.7% | $5,150-91.3% | $3,203-86.1% |