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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 | $4,946 | $41,016-87.9% | $152,093-96.7% | $64,097-92.3% |
| Participation rate | 67.0% | 51.3%+15.6pp | 77.8%-10.8pp | 55.2%+11.8pp |
| Annual return | 25.89% | 39.60%-13.7pp | 66.36%-40.5pp | 34.64%-8.8pp |
| Employer contribution / active EE | $0 | $1,342-100.0% | $4,175-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $2,044 | $1,927+6.1% | $5,451-62.5% | $3,080-33.6% |
| Admin fee / account holder | $541 | $2,305-76.5% | $14,497-96.3% | $3,454-84.3% |