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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 | $36,074 | $91,760-60.7% | $156,181-76.9% | $67,986-46.9% |
| Participation rate | 31.5% | 65.0%-33.6pp | 78.8%-47.4pp | 57.2%-25.8pp |
| Annual return | 16.00% | 18.14%-2.1pp | 64.87%-48.9pp | 31.67%-15.7pp |
| Employer contribution / active EE | $0 | $2,419-100.0% | $4,294-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $1,814 | $3,960-54.2% | $6,132-70.4% | $3,358-46.0% |
| Admin fee / account holder | $2,385 | $3,949-39.6% | $14,586-83.6% | $3,203-25.5% |