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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 | $30,546 | $110,137-72.3% | $161,149-81.0% | $82,637-63.0% |
| Participation rate | 41.3% | 72.4%-31.0pp | 78.8%-37.5pp | 68.1%-26.7pp |
| Annual return | 20.09% | 20.69%-0.6pp | 21.16%-1.1pp | 53.51%-33.4pp |
| Employer contribution / active EE | $0 | $2,856-100.0% | $4,360-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $2,261 | $4,575-50.6% | $6,153-63.3% | $4,126-45.2% |
| Admin fee / account holder | $1,961 | $9,467-79.3% | $15,194-87.1% | $7,339-73.3% |