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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 | $21,046 | $69,977-69.9% | $108,582-80.6% | $62,881-66.5% |
| Participation rate | 39.7% | 72.9%-33.2pp | 79.6%-39.9pp | 69.3%-29.6pp |
| Annual return | 5.62% | 10.73%-5.1pp | -51.70%+57.3pp | 20.14%-14.5pp |
| Employer contribution / active EE | $0 | $2,135-100.0% | $3,758-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $2,346 | $3,165-25.9% | $4,311-45.6% | $3,203-26.8% |
| Admin fee / account holder | $318 | $5,076-93.7% | $7,645-95.8% | $4,296-92.6% |