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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 | $17,752 | $101,798-82.6% | $165,071-89.2% | $80,935-78.1% |
| Participation rate | 58.1% | 71.8%-13.7pp | 78.6%-20.5pp | 67.7%-9.6pp |
| Annual return | 17.49% | 16.73%+0.8pp | 70.17%-52.7pp | 35.66%-18.2pp |
| Employer contribution / active EE | $0 | $2,954-100.0% | $4,347-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,627 | $4,476-41.3% | $6,035-56.5% | $4,299-38.9% |
| Admin fee / account holder | $533 | $8,221-93.5% | $12,695-95.8% | $6,924-92.3% |