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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 | $13,545 | $67,602-80.0% | $82,312-83.5% | $70,126-80.7% |
| Participation rate | 28.8% | 72.8%-43.9pp | 76.9%-48.0pp | 69.5%-40.7pp |
| Annual return | 12.82% | 21.57%-8.8pp | 25.88%-13.1pp | 73.15%-60.3pp |
| Employer contribution / active EE | $0 | $1,755-100.0% | $2,428-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $2,349 | $2,987-21.4% | $3,706-36.6% | $3,332-29.5% |
| Admin fee / account holder | $6,415 | $4,512+42.2% | $5,608+14.4% | $4,645+38.1% |