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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 | $1,432 | $29,670-95.2% | $56,054-97.4% | $80,911-98.2% |
| Participation rate | 31.3% | 41.7%-10.4pp | 52.5%-21.2pp | 67.6%-36.4pp |
| Annual return | 15.36% | 35.24%-19.9pp | 1705.95%-1690.6pp | 35.63%-20.3pp |
| Employer contribution / active EE | $0 | $670-100.0% | $1,039-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $404 | $1,227-67.0% | $1,952-79.3% | $4,297-90.6% |
| Admin fee / account holder | $362 | $2,431-85.1% | $2,822-87.2% | $6,935-94.8% |