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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 | $13,443 | $56,054-76.0% | $171,082-92.1% | $62,881-78.6% |
| Participation rate | 17.5% | 62.9%-45.4pp | 76.7%-59.2pp | 69.3%-51.8pp |
| Annual return | 5.92% | 22.52%-16.6pp | 32.56%-26.6pp | 20.14%-14.2pp |
| Employer contribution / active EE | $0 | $1,731-100.0% | $4,002-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,969 | $3,158-37.6% | $4,797-58.9% | $3,203-38.5% |
| Admin fee / account holder | $4,712 | $3,647+29.2% | $8,520-44.7% | $4,296+9.7% |