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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 | $17,637 | $67,602-73.9% | $82,312-78.6% | $70,126-74.9% |
| Participation rate | 51.9% | 72.8%-20.9pp | 76.9%-25.0pp | 69.5%-17.7pp |
| Annual return | 45.59% | 21.57%+24.0pp | 25.88%+19.7pp | 73.15%-27.6pp |
| Employer contribution / active EE | $0 | $1,755-100.0% | $2,428-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,542 | $2,987-48.4% | $3,706-58.4% | $3,332-53.7% |
| Admin fee / account holder | $593 | $4,512-86.8% | $5,608-89.4% | $4,645-87.2% |