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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 | $20,114 | $54,541-63.1% | $78,778-74.5% | $70,126-71.3% |
| Participation rate | 33.7% | 60.8%-27.1pp | 69.2%-35.5pp | 69.5%-35.8pp |
| Annual return | 18.73% | 21.07%-2.3pp | 35.62%-16.9pp | 73.15%-54.4pp |
| Employer contribution / active EE | $0 | $1,089-100.0% | $1,986-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,213 | $2,210-45.1% | $2,958-59.0% | $3,332-63.6% |
| Admin fee / account holder | $435 | $3,709-88.3% | $5,134-91.5% | $4,645-90.6% |