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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 | $10,735 | $91,439-88.3% | $135,974-92.1% | $71,511-85.0% |
| Participation rate | 60.7% | 75.7%-14.9pp | 81.9%-21.2pp | 67.9%-7.2pp |
| Annual return | 21.54% | 29.90%-8.4pp | 68.30%-46.8pp | 28.86%-7.3pp |
| Employer contribution / active EE | $0 | $3,705-100.0% | $4,859-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $4,759 | $7,093-32.9% | $7,760-38.7% | $4,291+10.9% |
| Admin fee / account holder | $3,495 | $1,267+175.9% | $10,767-67.5% | $1,588+120.0% |