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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 | $18,674 | $78,670-76.3% | $109,173-82.9% | $85,847-78.2% |
| Participation rate | 59.4% | 68.3%-8.9pp | 75.9%-16.5pp | 69.3%-9.9pp |
| Annual return | 16.89% | 25.09%-8.2pp | 25.75%-8.9pp | 318.61%-301.7pp |
| Employer contribution / active EE | $0 | $2,734-100.0% | $3,723-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $2,683 | $3,467-22.6% | $4,654-42.4% | $3,952-32.1% |
| Admin fee / account holder | $445 | $5,469-91.9% | $6,755-93.4% | $6,261-92.9% |