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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 | $22,119 | $86,940-74.6% | $102,434-78.4% | $80,935-72.7% |
| Participation rate | 32.0% | 72.4%-40.4pp | 76.5%-44.5pp | 67.7%-35.7pp |
| Annual return | 12.57% | 18.89%-6.3pp | 29.46%-16.9pp | 35.66%-23.1pp |
| Employer contribution / active EE | $0 | $2,370-100.0% | $3,023-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,786 | $4,121-32.4% | $5,055-44.9% | $4,299-35.2% |
| Admin fee / account holder | $4,405 | $8,047-45.3% | $9,462-53.4% | $6,924-36.4% |