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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 | $20,020 | $70,002-71.4% | $115,038-82.6% | $52,331-61.7% |
| Participation rate | 51.0% | 72.1%-21.1pp | 81.4%-30.3pp | 68.1%-17.1pp |
| Annual return | 0.00% | 4.04%-4.0pp | 26.14%-26.1pp | 4.54%-4.5pp |
| Employer contribution / active EE | $0 | $2,715-100.0% | $4,608-100.0% | $1,882-100.0% |
| Participant deferral / active EE | $3,291 | $4,920-33.1% | $6,026-45.4% | $3,022+8.9% |
| Admin fee / account holder | $5,252 | $566+827.9% | $8,175-35.8% | $592+787.8% |