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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 | $10,245 | $76,371-86.6% | $93,621-89.1% | $72,975-86.0% |
| Participation rate | 64.0% | 71.8%-7.8pp | 75.8%-11.8pp | 69.5%-5.5pp |
| Annual return | 58.09% | 25.82%+32.3pp | 32.76%+25.3pp | 81.01%-22.9pp |
| Employer contribution / active EE | $0 | $2,276-100.0% | $2,719-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $1,904 | $3,538-46.2% | $4,070-53.2% | $3,608-47.2% |
| Admin fee / account holder | $785 | $6,839-88.5% | $7,890-90.1% | $5,124-84.7% |