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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 | $10,629 | $93,589-88.6% | $135,942-92.2% | $75,181-85.9% |
| Participation rate | 49.1% | 75.2%-26.1pp | 81.9%-32.8pp | 67.2%-18.1pp |
| Annual return | 20.63% | 30.90%-10.3pp | 68.28%-47.6pp | 160.69%-140.1pp |
| Employer contribution / active EE | $0 | $3,537-100.0% | $4,858-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $2,630 | $6,405-58.9% | $7,759-66.1% | $4,126-36.3% |
| Admin fee / account holder | $964 | $6,977-86.2% | $10,764-91.0% | $5,650-82.9% |