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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 | $4,605 | $69,444-93.4% | $92,985-95.0% | $87,485-94.7% |
| Participation rate | 62.1% | 63.3%-1.2pp | 69.5%-7.4pp | 68.9%-6.9pp |
| Annual return | 30.12% | 23.85%+6.3pp | 27.99%+2.1pp | 26.06%+4.1pp |
| Employer contribution / active EE | $0 | $1,917-100.0% | $2,662-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $1,695 | $3,364-49.6% | $4,377-61.3% | $4,274-60.3% |
| Admin fee / account holder | $416 | $6,137-93.2% | $9,463-95.6% | $7,775-94.6% |