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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 | $20,075 | $86,330-76.7% | $121,871-83.5% | $94,015-78.6% |
| Participation rate | 61.4% | 66.7%-5.3pp | 73.2%-11.8pp | 70.8%-9.4pp |
| Annual return | 13.26% | 14.95%-1.7pp | 13.57%-0.3pp | 17.84%-4.6pp |
| Employer contribution / active EE | $0 | $2,292-100.0% | $2,731-100.0% | $2,790-100.0% |
| Participant deferral / active EE | $2,309 | $3,146-26.6% | $4,318-46.5% | $4,249-45.7% |
| Admin fee / account holder | $1,259 | $7,346-82.9% | $11,551-89.1% | $8,951-85.9% |