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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 | $12,950 | $80,992-84.0% | $96,534-86.6% | $75,173-82.8% |
| Participation rate | 44.2% | 71.8%-27.6pp | 76.0%-31.8pp | 67.2%-23.0pp |
| Annual return | 18.85% | 27.05%-8.2pp | 25.88%-7.0pp | 160.72%-141.9pp |
| Employer contribution / active EE | $0 | $2,283-100.0% | $2,965-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $2,807 | $3,929-28.6% | $4,851-42.1% | $4,126-32.0% |
| Admin fee / account holder | $484 | $6,717-92.8% | $8,253-94.1% | $5,651-91.4% |