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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 | $16,147 | $72,269-77.7% | $101,271-84.1% | $79,852-79.8% |
| Participation rate | 59.6% | 68.5%-8.9pp | 75.8%-16.2pp | 69.6%-10.1pp |
| Annual return | 19.05% | 22.29%-3.2pp | 46.48%-27.4pp | 31.72%-12.7pp |
| Employer contribution / active EE | $0 | $2,692-100.0% | $3,660-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $3,070 | $3,282-6.4% | $4,371-29.8% | $3,740-17.9% |
| Admin fee / account holder | $1,743 | $4,401-60.4% | $5,948-70.7% | $5,306-67.1% |