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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 | $20,669 | $80,983-74.5% | $96,544-78.6% | $75,177-72.5% |
| Participation rate | 58.3% | 71.8%-13.5pp | 76.0%-17.7pp | 67.2%-8.9pp |
| Annual return | 17.43% | 27.05%-9.6pp | 25.88%-8.4pp | 160.75%-143.3pp |
| Employer contribution / active EE | $0 | $2,282-100.0% | $2,966-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,798 | $3,929-54.2% | $4,851-62.9% | $4,126-56.4% |
| Admin fee / account holder | $1,767 | $6,717-73.7% | $8,254-78.6% | $5,651-68.7% |