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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 | $18,117 | $58,828-69.2% | $78,002-76.8% | $62,881-71.2% |
| Participation rate | 44.9% | 71.1%-26.2pp | 75.5%-30.6pp | 69.3%-24.4pp |
| Annual return | 8.48% | 17.16%-8.7pp | 425.99%-417.5pp | 20.14%-11.7pp |
| Employer contribution / active EE | $0 | $1,672-100.0% | $2,470-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,375 | $2,686-48.8% | $3,497-60.7% | $3,203-57.1% |
| Admin fee / account holder | $3,609 | $4,393-17.9% | $5,481-34.2% | $4,296-16.0% |