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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 | $16,811 | $91,559-81.6% | $133,971-87.5% | $79,852-78.9% |
| Participation rate | 63.4% | 73.3%-9.9pp | 79.8%-16.4pp | 69.6%-6.2pp |
| Annual return | 24.31% | 61.85%-37.5pp | 45.09%-20.8pp | 31.72%-7.4pp |
| Employer contribution / active EE | $0 | $2,384-100.0% | $3,919-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $3,099 | $3,734-17.0% | $5,047-38.6% | $3,740-17.2% |
| Admin fee / account holder | $593 | $6,321-90.6% | $8,929-93.4% | $5,306-88.8% |