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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 | $11,423 | $95,415-88.0% | $185,851-93.9% | $85,851-86.7% |
| Participation rate | 40.4% | 68.8%-28.4pp | 81.7%-41.3pp | 69.3%-28.9pp |
| Annual return | 12.04% | 23.59%-11.5pp | 122.11%-110.1pp | 318.63%-306.6pp |
| Employer contribution / active EE | $0 | $3,314-100.0% | $5,168-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $2,027 | $3,424-40.8% | $5,569-63.6% | $3,952-48.7% |
| Admin fee / account holder | $519 | $7,215-92.8% | $16,245-96.8% | $6,261-91.7% |