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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 | $21,265 | $102,065-79.2% | $453,569-95.3% | $85,847-75.2% |
| Participation rate | 29.3% | 72.4%-43.0pp | 78.0%-48.7pp | 69.3%-40.0pp |
| Annual return | 15.09% | 25.44%-10.3pp | 64.43%-49.3pp | 318.61%-303.5pp |
| Employer contribution / active EE | $0 | $2,852-100.0% | $4,072-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $2,272 | $4,789-52.6% | $6,211-63.4% | $3,952-42.5% |
| Admin fee / account holder | $5,095 | $5,717-10.9% | $11,214-54.6% | $6,261-18.6% |