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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 | $13,581 | $73,978-81.6% | $96,515-85.9% | $75,173-81.9% |
| Participation rate | 63.3% | 66.4%-3.1pp | 74.3%-11.0pp | 67.2%-3.9pp |
| Annual return | 13.86% | 26.72%-12.9pp | 35.73%-21.9pp | 160.72%-146.9pp |
| Employer contribution / active EE | $0 | $2,931-100.0% | $3,740-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,594 | $3,660-56.4% | $4,880-67.3% | $4,126-61.4% |
| Admin fee / account holder | $425 | $5,219-91.9% | $6,735-93.7% | $5,651-92.5% |