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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 | $18,261 | $60,349-69.7% | $74,184-75.4% | $62,881-71.0% |
| Participation rate | 46.0% | 72.7%-26.7pp | 76.6%-30.6pp | 69.3%-23.3pp |
| Annual return | 26.75% | 21.38%+5.4pp | 17.74%+9.0pp | 20.14%+6.6pp |
| Employer contribution / active EE | $0 | $1,680-100.0% | $2,370-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $5,333 | $2,856+86.7% | $3,550+50.2% | $3,203+66.5% |
| Admin fee / account holder | $1,426 | $4,261-66.5% | $5,586-74.5% | $4,296-66.8% |