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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 | $19,409 | $70,475-72.5% | $100,530-80.7% | $79,858-75.7% |
| Participation rate | 38.7% | 73.7%-34.9pp | 79.4%-40.7pp | 69.6%-30.9pp |
| Annual return | 14.39% | 21.90%-7.5pp | 30.89%-16.5pp | 31.72%-17.3pp |
| Employer contribution / active EE | $0 | $2,165-100.0% | $3,418-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $4,749 | $5,181-8.3% | $6,271-24.3% | $3,740+27.0% |
| Admin fee / account holder | $2,210 | $4,478-50.6% | $8,083-72.7% | $5,306-58.3% |