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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 | $11,460 | $45,438-74.8% | $80,004-85.7% | $59,633-80.8% |
| Participation rate | 35.1% | 63.7%-28.6pp | 73.0%-37.9pp | 68.7%-33.5pp |
| Annual return | 1.69% | 5.10%-3.4pp | 7.63%-5.9pp | 2041.45%-2039.8pp |
| Employer contribution / active EE | $0 | $1,236-100.0% | $2,473-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $2,390 | $2,231+7.1% | $3,204-25.4% | $3,192-25.1% |
| Admin fee / account holder | $1,472 | $3,464-57.5% | $5,033-70.7% | $4,297-65.7% |