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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 | $18,788 | $58,655-68.0% | $91,994-79.6% | $65,185-71.2% |
| Participation rate | 60.3% | 75.3%-15.0pp | 78.6%-18.3pp | 70.2%-9.9pp |
| Annual return | 36.86% | 33.92%+2.9pp | 69.04%-32.2pp | 29.38%+7.5pp |
| Employer contribution / active EE | $0 | $2,080-100.0% | $3,453-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $3,481 | $5,474-36.4% | $5,924-41.2% | $3,514-0.9% |
| Admin fee / account holder | $772 | $434+77.9% | $7,744-90.0% | $847-8.8% |