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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 | $1,808 | $36,948-95.1% | $73,658-97.5% | $87,485-97.9% |
| Participation rate | 54.5% | 46.8%+7.7pp | 57.0%-2.5pp | 68.9%-14.4pp |
| Annual return | 22.99% | 28.64%-5.7pp | 29.72%-6.7pp | 26.06%-3.1pp |
| Employer contribution / active EE | $0 | $670-100.0% | $1,032-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $680 | $1,379-50.7% | $2,062-67.0% | $4,274-84.1% |
| Admin fee / account holder | $528 | $2,531-79.1% | $3,357-84.3% | $7,775-93.2% |