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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 | $19,030 | $67,606-71.9% | $82,313-76.9% | $70,124-72.9% |
| Participation rate | 47.1% | 72.8%-25.7pp | 76.9%-29.8pp | 69.5%-22.5pp |
| Annual return | 17.80% | 21.57%-3.8pp | 25.88%-8.1pp | 73.14%-55.3pp |
| Employer contribution / active EE | $0 | $1,755-100.0% | $2,428-100.0% | $2,342-100.0% |
| Participant deferral / active EE | $1,367 | $2,987-54.2% | $3,706-63.1% | $3,332-59.0% |
| Admin fee / account holder | $3,927 | $4,512-13.0% | $5,608-30.0% | $4,645-15.5% |