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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 | $10,382 | $58,523-82.3% | $99,479-89.6% | $72,976-85.8% |
| Participation rate | 33.3% | 64.6%-31.3pp | 73.8%-40.5pp | 69.5%-36.2pp |
| Annual return | 22.17% | 28.51%-6.3pp | 30.72%-8.6pp | 81.02%-58.8pp |
| Employer contribution / active EE | $0 | $1,512-100.0% | $2,540-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $1,411 | $2,606-45.8% | $3,619-61.0% | $3,608-60.9% |
| Admin fee / account holder | $2,844 | $4,102-30.7% | $6,253-54.5% | $5,124-44.5% |