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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 | $21,210 | $97,550-78.3% | $120,344-82.4% | $87,485-75.8% |
| Participation rate | 60.7% | 72.8%-12.1pp | 76.7%-16.0pp | 68.9%-8.2pp |
| Annual return | 13.99% | 18.41%-4.4pp | 20.30%-6.3pp | 26.06%-12.1pp |
| Employer contribution / active EE | $0 | $2,291-100.0% | $3,020-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,836 | $4,230-33.0% | $5,135-44.8% | $4,274-33.6% |
| Admin fee / account holder | $4,168 | $9,543-56.3% | $12,742-67.3% | $7,775-46.4% |