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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 | $15,375 | $63,314-75.7% | $91,004-83.1% | $62,293-75.3% |
| Participation rate | 52.1% | 73.3%-21.2pp | 75.6%-23.5pp | 69.5%-17.4pp |
| Annual return | 18.71% | 21.00%-2.3pp | 4.60%+14.1pp | 28.90%-10.2pp |
| Employer contribution / active EE | $0 | $1,807-100.0% | $2,456-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $1,587 | $2,944-46.1% | $3,548-55.3% | $3,169-49.9% |
| Admin fee / account holder | $2,613 | $468+458.7% | $5,417-51.8% | $479+445.0% |