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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 | $13,904 | $107,421-87.1% | $182,262-92.4% | $94,015-85.2% |
| Participation rate | 69.0% | 77.8%-8.8pp | 84.2%-15.3pp | 70.8%-1.9pp |
| Annual return | 15.91% | 21.32%-5.4pp | 140.60%-124.7pp | 17.84%-1.9pp |
| Employer contribution / active EE | $0 | $3,448-100.0% | $5,046-100.0% | $2,790-100.0% |
| Participant deferral / active EE | $5,230 | $6,558-20.2% | $8,276-36.8% | $4,249+23.1% |
| Admin fee / account holder | $3,483 | $8,692-59.9% | $16,712-79.2% | $8,951-61.1% |