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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 | $8,434 | $56,544-85.1% | $75,501-88.8% | $70,126-88.0% |
| Participation rate | 26.2% | 68.1%-41.9pp | 72.4%-46.2pp | 69.5%-43.3pp |
| Annual return | 53.64% | 23.59%+30.0pp | 27.35%+26.3pp | 73.15%-19.5pp |
| Employer contribution / active EE | $0 | $1,817-100.0% | $2,352-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,522 | $2,580-41.0% | $3,142-51.6% | $3,332-54.3% |
| Admin fee / account holder | $502 | $3,827-86.9% | $5,801-91.3% | $4,645-89.2% |