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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 | $4,944 | $47,944-89.7% | $67,834-92.7% | $62,881-92.1% |
| Participation rate | 63.6% | 61.1%+2.6pp | 68.8%-5.2pp | 69.3%-5.7pp |
| Annual return | 5.81% | 11.77%-6.0pp | 138.47%-132.7pp | 20.14%-14.3pp |
| Employer contribution / active EE | $0 | $1,562-100.0% | $2,403-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $874 | $2,247-61.1% | $3,160-72.3% | $3,203-72.7% |
| Admin fee / account holder | $747 | $3,712-79.9% | $4,622-83.8% | $4,296-82.6% |