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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 | $35,340 | $109,359-67.7% | $162,171-78.2% | $72,983-51.6% |
| Participation rate | 39.1% | 84.3%-45.2pp | 87.6%-48.5pp | 69.5%-30.4pp |
| Annual return | 19.28% | 25.46%-6.2pp | 115.60%-96.3pp | 81.01%-61.7pp |
| Employer contribution / active EE | $0 | $3,907-100.0% | $5,613-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $6,305 | $5,481+15.0% | $7,297-13.6% | $3,608+74.8% |
| Admin fee / account holder | $4,981 | $7,972-37.5% | $10,843-54.1% | $5,124-2.8% |