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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 | $14,773 | $48,313-69.4% | $73,309-79.8% | $52,331-71.8% |
| Participation rate | 53.1% | 68.6%-15.5pp | 74.9%-21.8pp | 68.1%-15.0pp |
| Annual return | -0.15% | 3.85%-4.0pp | 5.67%-5.8pp | 4.54%-4.7pp |
| Employer contribution / active EE | $0 | $1,661-100.0% | $3,237-100.0% | $1,882-100.0% |
| Participant deferral / active EE | $2,479 | $4,189-40.8% | $4,991-50.3% | $3,022-18.0% |
| Admin fee / account holder | $324 | $404-19.8% | $5,635-94.2% | $592-45.2% |