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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 | $7,308 | $46,599-84.3% | $64,101-88.6% | $75,173-90.3% |
| Participation rate | 63.2% | 65.9%-2.8pp | 72.3%-9.2pp | 67.2%-4.0pp |
| Annual return | 12.22% | 26.06%-13.8pp | 33.72%-21.5pp | 160.72%-148.5pp |
| Employer contribution / active EE | $0 | $1,975-100.0% | $2,749-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $798 | $2,837-71.9% | $3,881-79.4% | $4,126-80.7% |
| Admin fee / account holder | $1,843 | $2,956-37.6% | $3,070-40.0% | $5,651-67.4% |