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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 | $9,257 | $80,992-88.6% | $96,534-90.4% | $75,173-87.7% |
| Participation rate | 37.1% | 71.8%-34.6pp | 76.0%-38.8pp | 67.2%-30.1pp |
| Annual return | 19.93% | 27.05%-7.1pp | 25.88%-5.9pp | 160.72%-140.8pp |
| Employer contribution / active EE | $0 | $2,283-100.0% | $2,965-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $2,648 | $3,929-32.6% | $4,851-45.4% | $4,126-35.8% |
| Admin fee / account holder | $2,863 | $6,717-57.4% | $8,253-65.3% | $5,651-49.3% |