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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 | $15,925 | $63,433-74.9% | $63,803-75.0% | $64,097-75.2% |
| Participation rate | 31.8% | 65.0%-33.2pp | 72.7%-40.9pp | 55.2%-23.4pp |
| Annual return | 18.48% | 20.74%-2.3pp | 543.72%-525.2pp | 34.64%-16.2pp |
| Employer contribution / active EE | $0 | $2,332-100.0% | $2,532-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $1,213 | $3,119-61.1% | $3,843-68.4% | $3,080-60.6% |
| Admin fee / account holder | $1,398 | $1,489-6.1% | $5,196-73.1% | $3,454-59.5% |