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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 | $19,946 | $60,349-66.9% | $74,184-73.1% | $62,881-68.3% |
| Participation rate | 56.5% | 72.7%-16.3pp | 76.6%-20.2pp | 69.3%-12.9pp |
| Annual return | 6.19% | 21.38%-15.2pp | 17.74%-11.5pp | 20.14%-14.0pp |
| Employer contribution / active EE | $0 | $1,680-100.0% | $2,370-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,856 | $2,856-35.0% | $3,550-47.7% | $3,203-42.1% |
| Admin fee / account holder | $3,663 | $4,261-14.0% | $5,586-34.4% | $4,296-14.7% |