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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 | $8,663 | $76,551-88.7% | $123,894-93.0% | $62,881-86.2% |
| Participation rate | 48.6% | 73.0%-24.4pp | 81.4%-32.8pp | 69.3%-20.7pp |
| Annual return | 28.06% | 18.68%+9.4pp | 47.52%-19.5pp | 20.14%+7.9pp |
| Employer contribution / active EE | $0 | $2,882-100.0% | $4,617-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $2,769 | $4,840-42.8% | $5,984-53.7% | $3,203-13.5% |
| Admin fee / account holder | $307 | $4,826-93.6% | $8,357-96.3% | $4,296-92.9% |