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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 | $23,795 | $88,360-73.1% | $145,433-83.6% | $67,986-65.0% |
| Participation rate | 20.9% | 65.5%-44.5pp | 82.1%-61.2pp | 57.2%-36.3pp |
| Annual return | 21.51% | 63.15%-41.6pp | 66.58%-45.1pp | 31.67%-10.2pp |
| Employer contribution / active EE | $0 | $3,054-100.0% | $4,554-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $2,746 | $5,932-53.7% | $7,897-65.2% | $3,358-18.2% |
| Admin fee / account holder | $1,091 | $3,313-67.1% | $13,129-91.7% | $3,203-65.9% |