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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 | $17,259 | $78,707-78.1% | $117,861-85.4% | $70,126-75.4% |
| Participation rate | 28.6% | 73.2%-44.6pp | 79.7%-51.1pp | 69.5%-41.0pp |
| Annual return | 18.20% | 23.30%-5.1pp | 335.11%-316.9pp | 73.15%-54.9pp |
| Employer contribution / active EE | $0 | $2,223-100.0% | $3,786-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $2,218 | $3,297-32.7% | $4,482-50.5% | $3,332-33.4% |
| Admin fee / account holder | $375 | $5,066-92.6% | $8,021-95.3% | $4,645-91.9% |