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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 | $6,599 | $153,311-95.7% | $109,313-94.0% | $273,972-97.6% |
| Participation rate | 37.5% | 80.1%-42.6pp | 71.3%-33.8pp | 83.0%-45.5pp |
| Annual return | 12.36% | 29.86%-17.5pp | 22.07%-9.7pp | 41.46%-29.1pp |
| Employer contribution / active EE | $0 | $5,619-100.0% | $3,892-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $2,059 | $3,932-47.6% | $3,166-35.0% | $5,287-61.1% |
| Admin fee / account holder | $405 | $8,076-95.0% | $5,666-92.9% | $10,133-96.0% |