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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 | $15,319 | $52,639-70.9% | $185,117-91.7% | $62,293-75.4% |
| Participation rate | 41.4% | 63.9%-22.4pp | 77.3%-35.8pp | 69.5%-28.1pp |
| Annual return | 17.82% | 19.57%-1.8pp | 40.50%-22.7pp | 28.90%-11.1pp |
| Employer contribution / active EE | $0 | $1,483-100.0% | $4,182-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $2,677 | $3,097-13.6% | $5,045-46.9% | $3,169-15.5% |
| Admin fee / account holder | $767 | $374+105.2% | $8,159-90.6% | $479+60.0% |