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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 | $17,180 | $56,894-69.8% | $84,753-79.7% | $62,881-72.7% |
| Participation rate | 31.9% | 68.5%-36.7pp | 76.6%-44.7pp | 69.3%-37.4pp |
| Annual return | 8.66% | 6.30%+2.4pp | 22.78%-14.1pp | 20.14%-11.5pp |
| Employer contribution / active EE | $0 | $2,400-100.0% | $3,574-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $2,379 | $2,709-12.2% | $3,712-35.9% | $3,203-25.7% |
| Admin fee / account holder | $497 | $3,581-86.1% | $5,333-90.7% | $4,296-88.4% |