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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 | $15,057 | $71,208-78.9% | $93,681-83.9% | $80,911-81.4% |
| Participation rate | 46.4% | 60.4%-14.0pp | 68.7%-22.4pp | 67.6%-21.3pp |
| Annual return | 15.35% | 11.27%+4.1pp | 133.47%-118.1pp | 35.63%-20.3pp |
| Employer contribution / active EE | $0 | $1,564-100.0% | $2,422-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $1,680 | $4,035-58.4% | $4,415-62.0% | $4,297-60.9% |
| Admin fee / account holder | $2,625 | $6,951-62.2% | $8,290-68.3% | $6,935-62.1% |