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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 | $18,040 | $64,359-72.0% | $90,161-80.0% | $70,126-74.3% |
| Participation rate | 62.5% | 70.4%-7.9pp | 76.9%-14.4pp | 69.5%-7.0pp |
| Annual return | 34.98% | 28.13%+6.8pp | 34.89%+0.1pp | 73.15%-38.2pp |
| Employer contribution / active EE | $0 | $2,046-100.0% | $3,318-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $9,187 | $4,389+109.3% | $5,287+73.8% | $3,332+175.7% |
| Admin fee / account holder | $6,274 | $3,945+59.0% | $5,943+5.6% | $4,645+35.1% |