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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 | $2,958 | $54,757-94.6% | $90,300-96.7% | $72,983-95.9% |
| Participation rate | 64.5% | 65.1%-0.6pp | 73.3%-8.8pp | 69.5%-5.0pp |
| Annual return | 25.03% | 30.63%-5.6pp | 78.11%-53.1pp | 81.01%-56.0pp |
| Employer contribution / active EE | $0 | $2,092-100.0% | $2,854-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $1,319 | $2,887-54.3% | $3,884-66.0% | $3,608-63.4% |
| Admin fee / account holder | $563 | $3,972-85.8% | $5,353-89.5% | $5,124-89.0% |