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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 | $14,984 | $48,364-69.0% | $71,796-79.1% | $62,881-76.2% |
| Participation rate | 19.7% | 60.6%-40.9pp | 69.1%-49.4pp | 69.3%-49.6pp |
| Annual return | 14.22% | 13.16%+1.1pp | 78.04%-63.8pp | 20.14%-5.9pp |
| Employer contribution / active EE | $0 | $1,042-100.0% | $1,924-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,364 | $2,091-34.8% | $2,794-51.2% | $3,203-57.4% |
| Admin fee / account holder | $925 | $3,771-75.5% | $4,815-80.8% | $4,296-78.5% |