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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 | $5,669 | $43,496-87.0% | $161,489-96.5% | $64,340-91.2% |
| Participation rate | 56.2% | 53.5%+2.6pp | 78.7%-22.5pp | 55.2%+0.9pp |
| Annual return | 14.23% | 20.76%-6.5pp | 89.72%-75.5pp | 24.14%-9.9pp |
| Employer contribution / active EE | $0 | $1,431-100.0% | $4,268-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $1,207 | $1,996-39.5% | $5,630-78.6% | $2,980-59.5% |
| Admin fee / account holder | $553 | $2,330-76.3% | $16,006-96.5% | $3,703-85.1% |