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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 | $13,721 | $64,359-78.7% | $90,161-84.8% | $70,126-80.4% |
| Participation rate | 56.3% | 70.4%-14.2pp | 76.9%-20.6pp | 69.5%-13.3pp |
| Annual return | 19.14% | 28.13%-9.0pp | 34.89%-15.7pp | 73.15%-54.0pp |
| Employer contribution / active EE | $0 | $2,046-100.0% | $3,318-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $3,847 | $4,389-12.4% | $5,287-27.2% | $3,332+15.5% |
| Admin fee / account holder | $879 | $3,945-77.7% | $5,943-85.2% | $4,645-81.1% |