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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 | $6,369 | $58,848-89.2% | $88,179-92.8% | $82,637-92.3% |
| Participation rate | 68.2% | 57.9%+10.3pp | 69.1%-1.0pp | 68.1%+0.1pp |
| Annual return | 19.83% | 22.76%-2.9pp | 64.97%-45.1pp | 53.51%-33.7pp |
| Employer contribution / active EE | $0 | $1,678-100.0% | $2,549-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $1,934 | $3,124-38.1% | $4,614-58.1% | $4,126-53.1% |
| Admin fee / account holder | $572 | $4,795-88.1% | $7,673-92.5% | $7,339-92.2% |