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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 | $20,723 | $104,251-80.1% | $91,004-77.2% | $147,585-86.0% |
| Participation rate | 54.2% | 78.2%-24.1pp | 75.6%-21.4pp | 82.8%-28.7pp |
| Annual return | 15.16% | 27.06%-11.9pp | 4.60%+10.6pp | 578.57%-563.4pp |
| Employer contribution / active EE | $0 | $3,116-100.0% | $2,456-100.0% | $4,876-100.0% |
| Participant deferral / active EE | $3,158 | $4,195-24.7% | $3,548-11.0% | $5,439-41.9% |
| Admin fee / account holder | $843 | $8,948-90.6% | $5,417-84.4% | $10,885-92.3% |