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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 | $12,436 | $72,177-82.8% | $115,038-89.2% | $59,633-79.1% |
| Participation rate | 68.4% | 72.6%-4.1pp | 81.4%-12.9pp | 68.7%-0.2pp |
| Annual return | 18.16% | 12.02%+6.1pp | 26.14%-8.0pp | 2041.45%-2023.3pp |
| Employer contribution / active EE | $0 | $2,841-100.0% | $4,608-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $6,284 | $4,783+31.4% | $6,026+4.3% | $3,192+96.9% |
| Admin fee / account holder | $2,962 | $4,927-39.9% | $8,175-63.8% | $4,297-31.1% |