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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 | $1,792 | $30,423-94.1% | $56,025-96.8% | $74,478-97.6% |
| Participation rate | 51.7% | 32.9%+18.9pp | 52.5%-0.8pp | 67.2%-15.5pp |
| Annual return | 13.50% | 24.97%-11.5pp | 1712.69%-1699.2pp | 1370.56%-1357.1pp |
| Employer contribution / active EE | $0 | $610-100.0% | $1,042-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $471 | $1,176-59.9% | $1,955-75.9% | $4,350-89.2% |
| Admin fee / account holder | $606 | $2,363-74.3% | $2,828-78.6% | $1,946-68.8% |