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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 | $10,915 | $43,075-74.7% | $74,577-85.4% | $62,881-82.6% |
| Participation rate | 53.8% | 58.1%-4.3pp | 68.1%-14.3pp | 69.3%-15.5pp |
| Annual return | 5.98% | 17.50%-11.5pp | 20.47%-14.5pp | 20.14%-14.2pp |
| Employer contribution / active EE | $0 | $1,498-100.0% | $2,525-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,034 | $2,389-56.7% | $3,458-70.1% | $3,203-67.7% |
| Admin fee / account holder | $1,083 | $2,840-61.9% | $4,138-73.8% | $4,296-74.8% |