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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 | $18,351 | $70,002-73.8% | $115,038-84.0% | $52,331-64.9% |
| Participation rate | 56.6% | 72.1%-15.5pp | 81.4%-24.7pp | 68.1%-11.5pp |
| Annual return | 3.87% | 4.04%-0.2pp | 26.14%-22.3pp | 4.54%-0.7pp |
| Employer contribution / active EE | $0 | $2,715-100.0% | $4,608-100.0% | $1,882-100.0% |
| Participant deferral / active EE | $5,651 | $4,920+14.9% | $6,026-6.2% | $3,022+87.0% |
| Admin fee / account holder | $1,325 | $566+134.1% | $8,175-83.8% | $592+124.0% |