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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 | $19,782 | $70,486-71.9% | $100,528-80.3% | $79,852-75.2% |
| Participation rate | 44.1% | 73.6%-29.5pp | 79.4%-35.3pp | 69.6%-25.5pp |
| Annual return | 28.63% | 21.90%+6.7pp | 30.90%-2.3pp | 31.72%-3.1pp |
| Employer contribution / active EE | $0 | $2,165-100.0% | $3,419-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $4,053 | $5,182-21.8% | $6,271-35.4% | $3,740+8.4% |
| Admin fee / account holder | $2,398 | $4,480-46.5% | $8,084-70.3% | $5,306-54.8% |