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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 | $18,007 | $87,834-79.5% | $133,975-86.6% | $62,881-71.4% |
| Participation rate | 33.8% | 83.4%-49.6pp | 87.1%-53.2pp | 69.3%-35.5pp |
| Annual return | 14.32% | 12.05%+2.3pp | 29.29%-15.0pp | 20.14%-5.8pp |
| Employer contribution / active EE | $0 | $3,482-100.0% | $5,211-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $3,511 | $4,812-27.0% | $6,282-44.1% | $3,203+9.6% |
| Admin fee / account holder | $363 | $5,372-93.2% | $9,324-96.1% | $4,296-91.5% |