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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 | $4,685 | $153,311-96.9% | $109,313-95.7% | $273,972-98.3% |
| Participation rate | 47.1% | 80.1%-33.0pp | 71.3%-24.2pp | 83.0%-36.0pp |
| Annual return | 4.37% | 29.86%-25.5pp | 22.07%-17.7pp | 41.46%-37.1pp |
| Employer contribution / active EE | $0 | $5,619-100.0% | $3,892-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $837 | $3,932-78.7% | $3,166-73.6% | $5,287-84.2% |
| Admin fee / account holder | $1,228 | $8,076-84.8% | $5,666-78.3% | $10,133-87.9% |