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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 | $23,887 | $86,949-72.5% | $102,460-76.7% | $80,959-70.5% |
| Participation rate | 64.6% | 72.4%-7.8pp | 76.5%-11.9pp | 67.7%-3.1pp |
| Annual return | 11.44% | 18.89%-7.5pp | 29.47%-18.0pp | 35.67%-24.2pp |
| Employer contribution / active EE | $0 | $2,370-100.0% | $3,025-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $4,667 | $4,121+13.2% | $5,056-7.7% | $4,300+8.5% |
| Admin fee / account holder | $6,455 | $8,048-19.8% | $9,460-31.8% | $6,925-6.8% |