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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 | $6,328 | $61,125-89.6% | $94,057-93.3% | $87,485-92.8% |
| Participation rate | 32.4% | 64.1%-31.6pp | 73.3%-40.9pp | 68.9%-36.5pp |
| Annual return | 24.44% | 35.20%-10.8pp | 480.62%-456.2pp | 26.06%-1.6pp |
| Employer contribution / active EE | $0 | $2,136-100.0% | $2,933-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $928 | $3,260-71.5% | $4,709-80.3% | $4,274-78.3% |
| Admin fee / account holder | $1,933 | $5,629-65.6% | $7,244-73.3% | $7,775-75.1% |