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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 | $25,191 | $89,652-71.9% | $141,197-82.2% | $65,186-61.4% |
| Participation rate | 24.1% | 74.7%-50.6pp | 82.5%-58.3pp | 70.2%-46.1pp |
| Annual return | 30.81% | 32.79%-2.0pp | 71.41%-40.6pp | 29.39%+1.4pp |
| Employer contribution / active EE | $0 | $3,065-100.0% | $4,736-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $3,191 | $5,691-43.9% | $6,710-52.4% | $3,514-9.2% |
| Admin fee / account holder | $4,245 | $569+646.6% | $10,265-58.6% | $847+401.0% |