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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 | $13,369 | $98,776-86.5% | $149,745-91.1% | $79,856-83.3% |
| Participation rate | 56.5% | 75.8%-19.3pp | 82.5%-26.0pp | 69.6%-13.1pp |
| Annual return | 33.43% | 27.38%+6.1pp | 276.72%-243.3pp | 31.71%+1.7pp |
| Employer contribution / active EE | $0 | $3,217-100.0% | $4,646-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $4,655 | $5,681-18.1% | $6,843-32.0% | $3,741+24.4% |
| Admin fee / account holder | $1,813 | $6,053-70.0% | $9,312-80.5% | $5,306-65.8% |