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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 | $15,305 | $62,589-75.5% | $76,768-80.1% | $64,173-76.2% |
| Participation rate | 25.5% | 72.8%-47.3pp | 77.0%-51.4pp | 69.6%-44.0pp |
| Annual return | 19.79% | -1.95%+21.7pp | 2.43%+17.4pp | 7.63%+12.2pp |
| Employer contribution / active EE | $0 | $1,832-100.0% | $2,485-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,672 | $3,145-46.8% | $3,852-56.6% | $3,470-51.8% |
| Admin fee / account holder | $4,537 | $4,667-2.8% | $6,675-32.0% | $4,887-7.2% |