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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 | $11,265 | $77,455-85.5% | $151,266-92.6% | $64,340-82.5% |
| Participation rate | 29.1% | 54.0%-24.9pp | 77.0%-47.9pp | 55.2%-26.1pp |
| Annual return | 17.95% | 16.64%+1.3pp | 180.60%-162.7pp | 24.14%-6.2pp |
| Employer contribution / active EE | $0 | $1,920-100.0% | $4,237-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $565 | $3,496-83.8% | $7,337-92.3% | $2,980-81.0% |
| Admin fee / account holder | $1,439 | $2,534-43.2% | $13,159-89.1% | $3,703-61.1% |