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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 | $25,571 | $91,559-72.1% | $133,978-80.9% | $79,856-68.0% |
| Participation rate | 38.2% | 73.3%-35.2pp | 79.8%-41.7pp | 69.6%-31.5pp |
| Annual return | 23.16% | 61.85%-38.7pp | 45.10%-21.9pp | 31.71%-8.5pp |
| Employer contribution / active EE | $0 | $2,384-100.0% | $3,919-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $4,112 | $3,734+10.1% | $5,047-18.5% | $3,741+9.9% |
| Admin fee / account holder | $1,219 | $6,321-80.7% | $8,930-86.3% | $5,306-77.0% |