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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 | $5,619 | $56,544-90.1% | $75,501-92.6% | $70,126-92.0% |
| Participation rate | 60.8% | 68.1%-7.3pp | 72.4%-11.5pp | 69.5%-8.7pp |
| Annual return | 23.33% | 23.59%-0.3pp | 27.35%-4.0pp | 73.15%-49.8pp |
| Employer contribution / active EE | $0 | $1,817-100.0% | $2,352-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $2,532 | $2,580-1.9% | $3,142-19.4% | $3,332-24.0% |
| Admin fee / account holder | $918 | $3,827-76.0% | $5,801-84.2% | $4,645-80.2% |