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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 | $16,423 | $95,404-82.8% | $113,397-85.5% | $82,637-80.1% |
| Participation rate | 53.8% | 72.8%-19.0pp | 76.5%-22.7pp | 68.1%-14.2pp |
| Annual return | 19.46% | 19.08%+0.4pp | 23.20%-3.7pp | 53.51%-34.0pp |
| Employer contribution / active EE | $0 | $2,307-100.0% | $2,977-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $2,290 | $4,220-45.7% | $5,076-54.9% | $4,126-44.5% |
| Admin fee / account holder | $578 | $9,168-93.7% | $11,957-95.2% | $7,339-92.1% |