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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 | $15,278 | $82,028-81.4% | $123,105-87.6% | $59,633-74.4% |
| Participation rate | 51.7% | 83.2%-31.5pp | 86.8%-35.1pp | 68.7%-17.0pp |
| Annual return | 8.54% | 5.12%+3.4pp | 13.22%-4.7pp | 2041.45%-2032.9pp |
| Employer contribution / active EE | $0 | $3,297-100.0% | $5,151-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $5,984 | $4,667+28.2% | $6,229-3.9% | $3,192+87.5% |
| Admin fee / account holder | $757 | $5,879-87.1% | $9,014-91.6% | $4,297-82.4% |