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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 | $14,700 | $63,365-76.8% | $91,994-84.0% | $72,975-79.9% |
| Participation rate | 51.6% | 72.5%-20.9pp | 78.6%-27.0pp | 69.5%-17.9pp |
| Annual return | 20.47% | 35.35%-14.9pp | 69.04%-48.6pp | 81.01%-60.5pp |
| Employer contribution / active EE | $0 | $2,116-100.0% | $3,453-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $2,668 | $4,883-45.4% | $5,924-55.0% | $3,608-26.1% |
| Admin fee / account holder | $1,939 | $4,670-58.5% | $7,744-75.0% | $5,124-62.2% |