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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 | $1,562 | $27,800-94.4% | $58,507-97.3% | $71,529-97.8% |
| Participation rate | 55.1% | 34.6%+20.5pp | 50.9%+4.3pp | 67.9%-12.8pp |
| Annual return | 20.05% | 26.80%-6.7pp | 4252.32%-4232.3pp | 28.97%-8.9pp |
| Employer contribution / active EE | $0 | $632-100.0% | $1,053-100.0% | $2,590-100.0% |
| Participant deferral / active EE | $538 | $1,208-55.5% | $1,922-72.0% | $4,291-87.5% |
| Admin fee / account holder | $620 | $1,637-62.1% | $2,486-75.0% | $1,588-60.9% |