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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 | $36,701 | $109,620-66.5% | $148,496-75.3% | $94,015-61.0% |
| Participation rate | 48.3% | 71.3%-23.0pp | 76.0%-27.8pp | 70.8%-22.5pp |
| Annual return | 17.59% | 17.54%+0.1pp | 12.33%+5.3pp | 17.84%-0.3pp |
| Employer contribution / active EE | $0 | $2,618-100.0% | $3,497-100.0% | $2,790-100.0% |
| Participant deferral / active EE | $2,171 | $3,831-43.3% | $4,808-54.8% | $4,249-48.9% |
| Admin fee / account holder | $527 | $10,050-94.8% | $19,547-97.3% | $8,951-94.1% |