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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 | $12,853 | $89,367-85.6% | $141,191-90.9% | $72,975-82.4% |
| Participation rate | 48.5% | 75.1%-26.6pp | 82.5%-34.0pp | 69.5%-21.0pp |
| Annual return | 28.47% | 111.87%-83.4pp | 71.41%-42.9pp | 81.01%-52.5pp |
| Employer contribution / active EE | $0 | $3,115-100.0% | $4,736-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $6,755 | $5,419+24.7% | $6,710+0.7% | $3,608+87.2% |
| Admin fee / account holder | $7,108 | $5,957+19.3% | $10,264-30.7% | $5,124+38.7% |