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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 | $34,331 | $123,793-72.3% | $177,848-80.7% | $79,856-57.0% |
| Participation rate | 68.2% | 84.7%-16.5pp | 87.7%-19.5pp | 69.6%-1.5pp |
| Annual return | 33.89% | 22.82%+11.1pp | 48.33%-14.4pp | 31.71%+2.2pp |
| Employer contribution / active EE | $0 | $4,095-100.0% | $5,919-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $10,631 | $5,956+78.5% | $7,714+37.8% | $3,741+184.2% |
| Admin fee / account holder | $780 | $7,243-89.2% | $12,431-93.7% | $5,306-85.3% |