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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 | $11,146 | $77,638-85.6% | $156,551-92.9% | $62,881-82.3% |
| Participation rate | 14.3% | 71.2%-56.9pp | 84.0%-69.7pp | 69.3%-55.0pp |
| Annual return | 13.17% | 50.33%-37.2pp | 32.23%-19.1pp | 20.14%-7.0pp |
| Employer contribution / active EE | $0 | $3,444-100.0% | $5,501-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,098 | $3,046-64.0% | $4,871-77.5% | $3,203-65.7% |
| Admin fee / account holder | $481 | $5,561-91.4% | $13,028-96.3% | $4,296-88.8% |