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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 | $17,989 | $78,197-77.0% | $98,090-81.7% | $82,637-78.2% |
| Participation rate | 58.1% | 77.5%-19.4pp | 81.5%-23.5pp | 68.1%-10.0pp |
| Annual return | 16.14% | 40.25%-24.1pp | 37.05%-20.9pp | 53.51%-37.4pp |
| Employer contribution / active EE | $0 | $2,605-100.0% | $3,606-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $2,841 | $6,636-57.2% | $7,845-63.8% | $4,126-31.1% |
| Admin fee / account holder | $3,488 | $14,832-76.5% | $11,815-70.5% | $7,339-52.5% |