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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 | $18,028 | $64,359-72.0% | $90,161-80.0% | $70,126-74.3% |
| Participation rate | 48.0% | 70.4%-22.4pp | 76.9%-28.9pp | 69.5%-21.5pp |
| Annual return | 17.27% | 28.13%-10.9pp | 34.89%-17.6pp | 73.15%-55.9pp |
| Employer contribution / active EE | $0 | $2,046-100.0% | $3,318-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $2,015 | $4,389-54.1% | $5,287-61.9% | $3,332-39.5% |
| Admin fee / account holder | $763 | $3,945-80.7% | $5,943-87.2% | $4,645-83.6% |