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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 | $17,548 | $60,349-70.9% | $74,184-76.3% | $62,881-72.1% |
| Participation rate | 19.0% | 72.7%-53.8pp | 76.6%-57.7pp | 69.3%-50.3pp |
| Annual return | 12.16% | 21.38%-9.2pp | 17.74%-5.6pp | 20.14%-8.0pp |
| Employer contribution / active EE | $0 | $1,680-100.0% | $2,370-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $2,426 | $2,856-15.0% | $3,550-31.6% | $3,203-24.2% |
| Admin fee / account holder | $5,035 | $4,261+18.2% | $5,586-9.9% | $4,296+17.2% |