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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 | $18,829 | $81,487-76.9% | $102,412-81.6% | $80,935-76.7% |
| Participation rate | 34.1% | 66.8%-32.7pp | 74.5%-40.4pp | 67.7%-33.6pp |
| Annual return | 30.45% | 25.60%+4.9pp | 24.94%+5.5pp | 35.66%-5.2pp |
| Employer contribution / active EE | $0 | $3,103-100.0% | $3,870-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,391 | $3,871-38.2% | $5,060-52.8% | $4,299-44.4% |
| Admin fee / account holder | $417 | $6,717-93.8% | $8,388-95.0% | $6,924-94.0% |