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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 | $17,172 | $118,467-85.5% | $98,450-82.6% | $139,456-87.7% |
| Participation rate | 29.4% | 77.5%-48.0pp | 75.2%-45.8pp | 80.3%-50.9pp |
| Annual return | 14.79% | 18.95%-4.2pp | 21.16%-6.4pp | 373.45%-358.7pp |
| Employer contribution / active EE | $0 | $3,611-100.0% | $3,049-100.0% | $4,753-100.0% |
| Participant deferral / active EE | $1,616 | $5,393-70.0% | $4,739-65.9% | $6,711-75.9% |
| Admin fee / account holder | $577 | $14,057-95.9% | $8,961-93.6% | $11,407-94.9% |