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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 | $8,438 | $84,236-90.0% | $170,435-95.0% | $70,126-88.0% |
| Participation rate | 39.6% | 70.8%-31.2pp | 83.6%-44.0pp | 69.5%-29.9pp |
| Annual return | 17.70% | 23.06%-5.4pp | 205.94%-188.2pp | 73.15%-55.4pp |
| Employer contribution / active EE | $0 | $3,387-100.0% | $5,432-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,254 | $3,086-59.4% | $4,939-74.6% | $3,332-62.4% |
| Admin fee / account holder | $682 | $5,698-88.0% | $13,881-95.1% | $4,645-85.3% |