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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 | $19,020 | $82,133-76.8% | $147,318-87.1% | $64,097-70.3% |
| Participation rate | 53.0% | 62.3%-9.2pp | 82.1%-29.0pp | 55.2%-2.1pp |
| Annual return | 17.11% | 78.78%-61.7pp | 70.43%-53.3pp | 34.64%-17.5pp |
| Employer contribution / active EE | $0 | $2,872-100.0% | $4,593-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $3,146 | $5,407-41.8% | $7,906-60.2% | $3,080+2.2% |
| Admin fee / account holder | $5,116 | $3,730+37.2% | $13,708-62.7% | $3,454+48.1% |