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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 | $4,073 | $57,590-92.9% | $86,233-95.3% | $82,448-95.1% |
| Participation rate | 64.5% | 57.9%+6.7pp | 69.0%-4.5pp | 68.1%-3.6pp |
| Annual return | 16.19% | 22.41%-6.2pp | 61.39%-45.2pp | 41.64%-25.5pp |
| Employer contribution / active EE | $0 | $1,655-100.0% | $2,504-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $803 | $3,080-73.9% | $4,559-82.4% | $4,139-80.6% |
| Admin fee / account holder | $589 | $4,730-87.5% | $8,342-92.9% | $7,234-91.9% |