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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 | $30,828 | $101,950-69.8% | $125,529-75.4% | $86,983-64.6% |
| Participation rate | 63.5% | 70.2%-6.6pp | 74.7%-11.2pp | 69.5%-6.0pp |
| Annual return | 15.67% | 18.29%-2.6pp | 202.56%-186.9pp | 25.83%-10.2pp |
| Employer contribution / active EE | $0 | $2,358-100.0% | $3,058-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $1,798 | $3,862-53.4% | $4,813-62.6% | $4,194-57.1% |
| Admin fee / account holder | $6,776 | $12,791-47.0% | $16,298-58.4% | $7,856-13.7% |