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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 | $12,653 | $53,774-76.5% | $134,162-90.6% | $79,852-84.2% |
| Participation rate | 30.8% | 58.8%-28.0pp | 72.2%-41.4pp | 69.6%-38.9pp |
| Annual return | 24.30% | 19.01%+5.3pp | 36.35%-12.0pp | 31.72%-7.4pp |
| Employer contribution / active EE | $0 | $1,322-100.0% | $3,705-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,835 | $2,420-24.2% | $3,500-47.6% | $3,740-50.9% |
| Admin fee / account holder | $2,487 | $3,985-37.6% | $6,685-62.8% | $5,306-53.1% |