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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 | $6,672 | $41,016-83.7% | $152,093-95.6% | $64,097-89.6% |
| Participation rate | 27.2% | 51.3%-24.1pp | 77.8%-50.5pp | 55.2%-28.0pp |
| Annual return | 16.90% | 39.60%-22.7pp | 66.36%-49.5pp | 34.64%-17.7pp |
| Employer contribution / active EE | $0 | $1,342-100.0% | $4,175-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $651 | $1,927-66.2% | $5,451-88.1% | $3,080-78.9% |
| Admin fee / account holder | $2,137 | $2,305-7.3% | $14,497-85.3% | $3,454-38.1% |