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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 | $14,289 | $156,398-90.9% | $147,318-90.3% | $138,895-89.7% |
| Participation rate | 31.6% | 83.8%-52.2pp | 82.1%-50.5pp | 79.9%-48.3pp |
| Annual return | 35.98% | 78.75%-42.8pp | 70.43%-34.4pp | 145.39%-109.4pp |
| Employer contribution / active EE | $0 | $4,853-100.0% | $4,593-100.0% | $4,194-100.0% |
| Participant deferral / active EE | $2,576 | $8,237-68.7% | $7,906-67.4% | $6,396-59.7% |
| Admin fee / account holder | $4,079 | $14,976-72.8% | $13,708-70.2% | $12,562-67.5% |