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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 | $8,272 | $84,953-90.3% | $163,379-94.9% | $82,637-90.0% |
| Participation rate | 63.2% | 65.9%-2.8pp | 76.8%-13.7pp | 68.1%-4.9pp |
| Annual return | 19.99% | 23.07%-3.1pp | 63.41%-43.4pp | 53.51%-33.5pp |
| Employer contribution / active EE | $0 | $2,183-100.0% | $3,752-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $2,232 | $4,326-48.4% | $6,282-64.5% | $4,126-45.9% |
| Admin fee / account holder | $1,067 | $7,921-86.5% | $9,818-89.1% | $7,339-85.5% |