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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 | $22,014 | $89,367-75.4% | $141,191-84.4% | $72,975-69.8% |
| Participation rate | 20.5% | 75.1%-54.6pp | 82.5%-62.0pp | 69.5%-49.0pp |
| Annual return | 28.59% | 111.87%-83.3pp | 71.41%-42.8pp | 81.01%-52.4pp |
| Employer contribution / active EE | $0 | $3,115-100.0% | $4,736-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $2,403 | $5,419-55.6% | $6,710-64.2% | $3,608-33.4% |
| Admin fee / account holder | $1,498 | $5,957-74.9% | $10,264-85.4% | $5,124-70.8% |