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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 | $13,887 | $58,493-76.3% | $84,023-83.5% | $72,976-81.0% |
| Participation rate | 58.2% | 61.2%-3.1pp | 69.0%-10.9pp | 69.5%-11.3pp |
| Annual return | 22.22% | 28.93%-6.7pp | 71.32%-49.1pp | 81.02%-58.8pp |
| Employer contribution / active EE | $0 | $1,163-100.0% | $1,984-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $1,241 | $2,394-48.2% | $3,239-61.7% | $3,608-65.6% |
| Admin fee / account holder | $3,584 | $4,569-21.6% | $6,102-41.3% | $5,124-30.1% |