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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 | $3,827 | $91,167-95.8% | $178,498-97.9% | $79,858-95.2% |
| Participation rate | 68.1% | 69.2%-1.2pp | 81.9%-13.9pp | 69.6%-1.6pp |
| Annual return | 13.16% | 24.19%-11.0pp | 151.09%-137.9pp | 31.72%-18.6pp |
| Employer contribution / active EE | $0 | $3,255-100.0% | $5,011-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,863 | $3,236-42.4% | $5,202-64.2% | $3,740-50.2% |
| Admin fee / account holder | $331 | $6,747-95.1% | $13,985-97.6% | $5,306-93.8% |