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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 | $10,970 | $78,682-86.1% | $109,188-90.0% | $85,851-87.2% |
| Participation rate | 53.4% | 68.3%-14.9pp | 75.9%-22.5pp | 69.3%-15.9pp |
| Annual return | 32.74% | 25.09%+7.6pp | 25.76%+7.0pp | 318.63%-285.9pp |
| Employer contribution / active EE | $0 | $2,734-100.0% | $3,723-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $3,537 | $3,468+2.0% | $4,654-24.0% | $3,952-10.5% |
| Admin fee / account holder | $1,482 | $5,470-72.9% | $6,755-78.1% | $6,261-76.3% |