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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 | $2,582 | $75,541-96.6% | $152,093-98.3% | $82,637-96.9% |
| Participation rate | 63.9% | 66.5%-2.7pp | 77.8%-13.9pp | 68.1%-4.2pp |
| Annual return | 79.35% | 32.56%+46.8pp | 66.36%+13.0pp | 53.51%+25.8pp |
| Employer contribution / active EE | $0 | $2,622-100.0% | $4,175-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $1,425 | $3,206-55.5% | $5,451-73.9% | $4,126-65.5% |
| Admin fee / account holder | $1,043 | $6,405-83.7% | $14,497-92.8% | $7,339-85.8% |