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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 | $1,480 | $29,733-95.0% | $56,025-97.4% | $80,959-98.2% |
| Participation rate | 38.5% | 41.7%-3.3pp | 52.5%-14.0pp | 67.7%-29.2pp |
| Annual return | 11.04% | 35.28%-24.2pp | 1712.69%-1701.6pp | 35.67%-24.6pp |
| Employer contribution / active EE | $0 | $672-100.0% | $1,042-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $275 | $1,229-77.6% | $1,955-85.9% | $4,300-93.6% |
| Admin fee / account holder | $746 | $2,434-69.3% | $2,828-73.6% | $6,925-89.2% |