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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 | $18,605 | $70,002-73.4% | $115,038-83.8% | $52,331-64.4% |
| Participation rate | 46.2% | 72.1%-25.9pp | 81.4%-35.1pp | 68.1%-21.9pp |
| Annual return | -0.60% | 4.04%-4.6pp | 26.14%-26.7pp | 4.54%-5.1pp |
| Employer contribution / active EE | $0 | $2,715-100.0% | $4,608-100.0% | $1,882-100.0% |
| Participant deferral / active EE | $2,352 | $4,920-52.2% | $6,026-61.0% | $3,022-22.2% |
| Admin fee / account holder | $745 | $566+31.6% | $8,175-90.9% | $592+25.9% |