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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 | $18,870 | $124,346-84.8% | $111,308-83.0% | $167,536-88.7% |
| Participation rate | 57.9% | 79.6%-21.7pp | 77.3%-19.4pp | 82.1%-24.2pp |
| Annual return | 17.74% | 37.45%-19.7pp | 54.67%-36.9pp | 478.82%-461.1pp |
| Employer contribution / active EE | $0 | $3,437-100.0% | $2,732-100.0% | $4,839-100.0% |
| Participant deferral / active EE | $3,606 | $5,182-30.4% | $4,487-19.7% | $6,342-43.1% |
| Admin fee / account holder | $368 | $10,621-96.5% | $7,965-95.4% | $12,315-97.0% |