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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 | $15,261 | $75,183-79.7% | $123,894-87.7% | $55,167-72.3% |
| Participation rate | 41.0% | 72.8%-31.8pp | 81.4%-40.4pp | 69.0%-28.0pp |
| Annual return | 32.36% | 19.01%+13.4pp | 47.52%-15.2pp | 169.23%-136.9pp |
| Employer contribution / active EE | $0 | $2,823-100.0% | $4,617-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $3,324 | $5,084-34.6% | $5,984-44.5% | $3,054+8.8% |
| Admin fee / account holder | $779 | $663+17.5% | $8,357-90.7% | $504+54.5% |