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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 | $5,057 | $59,440-91.5% | $78,004-93.5% | $82,637-93.9% |
| Participation rate | 59.3% | 62.8%-3.6pp | 69.4%-10.2pp | 68.1%-8.8pp |
| Annual return | 23.92% | 40.24%-16.3pp | 31.07%-7.1pp | 53.51%-29.6pp |
| Employer contribution / active EE | $0 | $1,750-100.0% | $2,469-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $1,122 | $3,138-64.3% | $4,092-72.6% | $4,126-72.8% |
| Admin fee / account holder | $390 | $5,504-92.9% | $7,578-94.9% | $7,339-94.7% |