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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 | $14,780 | $71,230-79.2% | $93,727-84.2% | $80,959-81.7% |
| Participation rate | 59.5% | 60.4%-0.9pp | 68.7%-9.2pp | 67.7%-8.1pp |
| Annual return | 12.07% | 11.26%+0.8pp | 133.83%-121.8pp | 35.67%-23.6pp |
| Employer contribution / active EE | $0 | $1,565-100.0% | $2,421-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,829 | $4,037-54.7% | $4,417-58.6% | $4,300-57.5% |
| Admin fee / account holder | $560 | $6,961-92.0% | $8,292-93.2% | $6,925-91.9% |