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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 | $27,462 | $87,834-68.7% | $133,975-79.5% | $62,881-56.3% |
| Participation rate | 18.4% | 83.4%-65.0pp | 87.1%-68.7pp | 69.3%-50.9pp |
| Annual return | 17.37% | 12.05%+5.3pp | 29.29%-11.9pp | 20.14%-2.8pp |
| Employer contribution / active EE | $0 | $3,482-100.0% | $5,211-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $3,136 | $4,812-34.8% | $6,282-50.1% | $3,203-2.1% |
| Admin fee / account holder | $2,439 | $5,372-54.6% | $9,324-73.8% | $4,296-43.2% |