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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 | $24,785 | $138,366-82.1% | $184,185-86.5% | $80,911-69.4% |
| Participation rate | 65.6% | 83.9%-18.3pp | 86.8%-21.2pp | 67.6%-2.0pp |
| Annual return | 15.24% | 20.02%-4.8pp | 28.81%-13.6pp | 35.63%-20.4pp |
| Employer contribution / active EE | $0 | $4,849-100.0% | $6,426-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $3,782 | $7,074-46.5% | $9,132-58.6% | $4,297-12.0% |
| Admin fee / account holder | $302 | $10,484-97.1% | $13,909-97.8% | $6,935-95.6% |