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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 | $18,331 | $72,269-74.6% | $101,271-81.9% | $79,852-77.0% |
| Participation rate | 41.9% | 68.5%-26.6pp | 75.8%-33.9pp | 69.6%-27.8pp |
| Annual return | 13.62% | 22.29%-8.7pp | 46.48%-32.9pp | 31.72%-18.1pp |
| Employer contribution / active EE | $0 | $2,692-100.0% | $3,660-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,926 | $3,282-41.3% | $4,371-55.9% | $3,740-48.5% |
| Admin fee / account holder | $489 | $4,401-88.9% | $5,948-91.8% | $5,306-90.8% |