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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 | $15,562 | $56,287-72.4% | $80,977-80.8% | $62,881-75.3% |
| Participation rate | 51.9% | 68.9%-17.1pp | 75.8%-24.0pp | 69.3%-17.5pp |
| Annual return | 18.33% | 22.13%-3.8pp | 17.11%+1.2pp | 20.14%-1.8pp |
| Employer contribution / active EE | $0 | $1,943-100.0% | $3,715-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $8,490 | $4,196+102.4% | $5,696+49.0% | $3,203+165.1% |
| Admin fee / account holder | $4,028 | $3,742+7.7% | $5,517-27.0% | $4,296-6.2% |