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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 | $8,858 | $96,558-90.8% | $80,977-89.1% | $273,972-96.8% |
| Participation rate | 33.3% | 79.1%-45.7pp | 75.8%-42.5pp | 83.0%-49.7pp |
| Annual return | 29.13% | 15.14%+14.0pp | 17.11%+12.0pp | 41.46%-12.3pp |
| Employer contribution / active EE | $0 | $4,869-100.0% | $3,715-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $3,263 | $6,598-50.5% | $5,696-42.7% | $5,287-38.3% |
| Admin fee / account holder | $561 | $7,493-92.5% | $5,517-89.8% | $10,133-94.5% |