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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 | $23,124 | $69,477-66.7% | $94,679-75.6% | $71,495-67.7% |
| Participation rate | 31.4% | 78.4%-47.0pp | 80.8%-49.4pp | 67.9%-36.5pp |
| Annual return | 26.03% | 29.66%-3.6pp | 156.75%-130.7pp | 28.85%-2.8pp |
| Employer contribution / active EE | $0 | $2,853-100.0% | $3,673-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $3,711 | $7,345-49.5% | $7,417-50.0% | $4,291-13.5% |
| Admin fee / account holder | $4,242 | $1,210+250.7% | $7,233-41.4% | $1,588+167.1% |