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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 | $29,715 | $94,699-68.6% | $185,441-84.0% | $65,306-54.5% |
| Participation rate | 27.8% | 64.2%-36.4pp | 80.3%-52.5pp | 57.7%-29.9pp |
| Annual return | 11.63% | 16.71%-5.1pp | 20.16%-8.5pp | 21.94%-10.3pp |
| Employer contribution / active EE | $0 | $2,381-100.0% | $4,672-100.0% | $1,967-100.0% |
| Participant deferral / active EE | $2,058 | $3,568-42.3% | $6,152-66.5% | $2,959-30.5% |
| Admin fee / account holder | $1,406 | $4,797-70.7% | $17,890-92.1% | $3,480-59.6% |