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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 | $24,445 | $91,439-73.3% | $135,974-82.0% | $71,511-65.8% |
| Participation rate | 48.6% | 75.7%-27.1pp | 81.9%-33.3pp | 67.9%-19.3pp |
| Annual return | 19.88% | 29.90%-10.0pp | 68.30%-48.4pp | 28.86%-9.0pp |
| Employer contribution / active EE | $0 | $3,705-100.0% | $4,859-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $4,946 | $7,093-30.3% | $7,760-36.3% | $4,291+15.3% |
| Admin fee / account holder | $1,797 | $1,267+41.9% | $10,767-83.3% | $1,588+13.1% |