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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 | $38,910 | $123,793-68.6% | $177,840-78.1% | $79,852-51.3% |
| Participation rate | 37.9% | 84.7%-46.7pp | 87.7%-49.8pp | 69.6%-31.7pp |
| Annual return | 21.62% | 22.82%-1.2pp | 48.32%-26.7pp | 31.72%-10.1pp |
| Employer contribution / active EE | $0 | $4,095-100.0% | $5,919-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $4,463 | $5,956-25.1% | $7,714-42.1% | $3,740+19.3% |
| Admin fee / account holder | $1,400 | $7,243-80.7% | $12,431-88.7% | $5,306-73.6% |