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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 | $7,446 | $78,690-90.5% | $161,489-95.4% | $87,485-91.5% |
| Participation rate | 55.9% | 67.5%-11.6pp | 78.7%-22.8pp | 68.9%-13.0pp |
| Annual return | 18.26% | 32.74%-14.5pp | 89.72%-71.5pp | 26.06%-7.8pp |
| Employer contribution / active EE | $0 | $2,588-100.0% | $4,268-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $1,307 | $3,311-60.5% | $5,630-76.8% | $4,274-69.4% |
| Admin fee / account holder | $1,484 | $6,724-77.9% | $16,006-90.7% | $7,775-80.9% |