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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 | $14,897 | $57,108-73.9% | $94,229-84.2% | $52,331-71.5% |
| Participation rate | 42.9% | 72.9%-30.1pp | 78.8%-35.9pp | 68.1%-25.2pp |
| Annual return | 25.68% | 1.47%+24.2pp | 10.68%+15.0pp | 4.54%+21.1pp |
| Employer contribution / active EE | $0 | $1,735-100.0% | $3,587-100.0% | $1,882-100.0% |
| Participant deferral / active EE | $2,784 | $3,040-8.4% | $4,320-35.6% | $3,022-7.9% |
| Admin fee / account holder | $2,578 | $546+371.7% | $6,269-58.9% | $592+335.7% |