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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 | $12,900 | $70,666-81.7% | $169,385-92.4% | $75,181-82.8% |
| Participation rate | 68.6% | 64.8%+3.8pp | 77.2%-8.5pp | 67.2%+1.4pp |
| Annual return | 17.87% | 36.37%-18.5pp | 405.82%-387.9pp | 160.69%-142.8pp |
| Employer contribution / active EE | $0 | $2,210-100.0% | $4,012-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $3,474 | $4,308-19.4% | $6,221-44.2% | $4,126-15.8% |
| Admin fee / account holder | $2,147 | $5,402-60.3% | $9,011-76.2% | $5,650-62.0% |