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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 | $13,963 | $106,524-86.9% | $152,301-90.8% | $87,485-84.0% |
| Participation rate | 19.4% | 75.8%-56.4pp | 82.4%-63.1pp | 68.9%-49.6pp |
| Annual return | 14.91% | 26.89%-12.0pp | 80.50%-65.6pp | 26.06%-11.2pp |
| Employer contribution / active EE | $0 | $3,371-100.0% | $4,624-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,858 | $6,525-56.2% | $8,004-64.3% | $4,274-33.1% |
| Admin fee / account holder | $3,146 | $8,287-62.0% | $14,398-78.1% | $7,775-59.5% |