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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 | $8,675 | $58,523-85.2% | $99,475-91.3% | $72,975-88.1% |
| Participation rate | 48.6% | 64.6%-16.1pp | 73.8%-25.3pp | 69.5%-20.9pp |
| Annual return | 40.35% | 28.51%+11.8pp | 30.72%+9.6pp | 81.01%-40.7pp |
| Employer contribution / active EE | $0 | $1,512-100.0% | $2,540-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $2,636 | $2,606+1.1% | $3,619-27.2% | $3,608-26.9% |
| Admin fee / account holder | $529 | $4,102-87.1% | $6,252-91.5% | $5,124-89.7% |