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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 | $16,366 | $72,273-77.4% | $101,275-83.8% | $79,856-79.5% |
| Participation rate | 29.8% | 68.5%-38.7pp | 75.8%-46.0pp | 69.6%-39.9pp |
| Annual return | 10.93% | 22.30%-11.4pp | 46.48%-35.5pp | 31.71%-20.8pp |
| Employer contribution / active EE | $0 | $2,691-100.0% | $3,660-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,497 | $3,282-54.4% | $4,371-65.8% | $3,741-60.0% |
| Admin fee / account holder | $757 | $4,401-82.8% | $5,948-87.3% | $5,306-85.7% |