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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 | $20,237 | $76,696-73.6% | $96,515-79.0% | $71,511-71.7% |
| Participation rate | 42.9% | 66.6%-23.7pp | 74.3%-31.5pp | 67.9%-25.1pp |
| Annual return | 18.13% | 48.32%-30.2pp | 35.73%-17.6pp | 28.86%-10.7pp |
| Employer contribution / active EE | $0 | $3,032-100.0% | $3,740-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $1,967 | $3,770-47.8% | $4,880-59.7% | $4,291-54.1% |
| Admin fee / account holder | $3,034 | $2,030+49.5% | $6,735-55.0% | $1,588+91.0% |