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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 | $13,335 | $64,359-79.3% | $90,161-85.2% | $70,126-81.0% |
| Participation rate | 58.1% | 70.4%-12.3pp | 76.9%-18.7pp | 69.5%-11.4pp |
| Annual return | 59.25% | 28.13%+31.1pp | 34.89%+24.4pp | 73.15%-13.9pp |
| Employer contribution / active EE | $0 | $2,046-100.0% | $3,318-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $4,084 | $4,389-7.0% | $5,287-22.8% | $3,332+22.6% |
| Admin fee / account holder | $659 | $3,945-83.3% | $5,943-88.9% | $4,645-85.8% |