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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 | $22,799 | $114,712-80.1% | $173,730-86.9% | $87,485-73.9% |
| Participation rate | 56.4% | 73.0%-16.6pp | 79.6%-23.2pp | 68.9%-12.5pp |
| Annual return | 21.20% | 20.18%+1.0pp | 19.96%+1.2pp | 26.06%-4.9pp |
| Employer contribution / active EE | $0 | $2,904-100.0% | $4,577-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,492 | $4,642-46.3% | $6,326-60.6% | $4,274-41.7% |
| Admin fee / account holder | $747 | $10,210-92.7% | $17,523-95.7% | $7,775-90.4% |