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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 | $19,730 | $106,864-81.5% | $147,318-86.6% | $82,637-76.1% |
| Participation rate | 48.1% | 75.5%-27.4pp | 82.1%-33.9pp | 68.1%-19.9pp |
| Annual return | 16.11% | 27.49%-11.4pp | 70.43%-54.3pp | 53.51%-37.4pp |
| Employer contribution / active EE | $0 | $3,417-100.0% | $4,593-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $2,843 | $6,496-56.2% | $7,906-64.0% | $4,126-31.1% |
| Admin fee / account holder | $505 | $8,415-94.0% | $13,708-96.3% | $7,339-93.1% |