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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 | $6,532 | $74,535-91.2% | $100,712-93.5% | $82,637-92.1% |
| Participation rate | 48.7% | 61.2%-12.5pp | 69.3%-20.6pp | 68.1%-19.3pp |
| Annual return | 27.76% | 18.92%+8.8pp | 33.27%-5.5pp | 53.51%-25.7pp |
| Employer contribution / active EE | $0 | $1,503-100.0% | $2,313-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $2,088 | $3,074-32.1% | $4,085-48.9% | $4,126-49.4% |
| Admin fee / account holder | $552 | $6,576-91.6% | $9,256-94.0% | $7,339-92.5% |