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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 | $13,783 | $54,368-74.6% | $117,039-88.2% | $62,293-77.9% |
| Participation rate | 56.2% | 64.9%-8.7pp | 77.2%-21.0pp | 69.5%-13.3pp |
| Annual return | 15.09% | 21.77%-6.7pp | 18.95%-3.9pp | 28.90%-13.8pp |
| Employer contribution / active EE | $0 | $1,692-100.0% | $3,785-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $1,735 | $2,269-23.5% | $3,929-55.9% | $3,169-45.3% |
| Admin fee / account holder | $778 | $493+57.6% | $5,974-87.0% | $479+62.2% |