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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 | $8,015 | $65,395-87.7% | $182,540-95.6% | $72,975-89.0% |
| Participation rate | 37.8% | 65.4%-27.6pp | 78.0%-40.1pp | 69.5%-31.7pp |
| Annual return | 24.84% | 27.68%-2.8pp | 148.58%-123.7pp | 81.01%-56.2pp |
| Employer contribution / active EE | $0 | $1,911-100.0% | $4,076-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $1,200 | $3,563-66.3% | $5,525-78.3% | $3,608-66.7% |
| Admin fee / account holder | $2,013 | $4,245-52.6% | $8,593-76.6% | $5,124-60.7% |