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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 | $12,421 | $99,875-87.6% | $146,866-91.5% | $86,983-85.7% |
| Participation rate | 66.2% | 75.8%-9.6pp | 82.5%-16.3pp | 69.5%-3.3pp |
| Annual return | 17.22% | 28.10%-10.9pp | 102.85%-85.6pp | 25.83%-8.6pp |
| Employer contribution / active EE | $0 | $3,224-100.0% | $4,425-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $3,117 | $6,322-50.7% | $7,759-59.8% | $4,194-25.7% |
| Admin fee / account holder | $982 | $7,838-87.5% | $13,620-92.8% | $7,856-87.5% |