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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 | $5,124 | $84,236-93.9% | $170,439-97.0% | $70,124-92.7% |
| Participation rate | 37.1% | 70.8%-33.7pp | 83.6%-46.5pp | 69.5%-32.4pp |
| Annual return | 14.50% | 23.06%-8.6pp | 205.94%-191.4pp | 73.14%-58.6pp |
| Employer contribution / active EE | $0 | $3,387-100.0% | $5,433-100.0% | $2,342-100.0% |
| Participant deferral / active EE | $1,167 | $3,086-62.2% | $4,939-76.4% | $3,332-65.0% |
| Admin fee / account holder | $1,221 | $5,698-78.6% | $13,881-91.2% | $4,645-73.7% |