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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 | $30,437-94.1% | $56,033-96.8% | $74,459-97.6% |
| Participation rate | 51.7% | 32.9%+18.9pp | 52.5%-0.7pp | 67.2%-15.5pp |
| Annual return | 13.50% | 24.96%-11.5pp | 1711.38%-1697.9pp | 1369.70%-1356.2pp |
| Employer contribution / active EE | $0 | $610-100.0% | $1,041-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $471 | $1,176-59.9% | $1,954-75.9% | $4,350-89.2% |
| Admin fee / account holder | $606 | $2,363-74.3% | $2,827-78.6% | $1,945-68.8% |