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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 | $23,170 | $136,860-83.1% | $120,344-80.7% | $154,746-85.0% |
| Participation rate | 60.9% | 79.9%-19.0pp | 76.7%-15.8pp | 80.7%-19.8pp |
| Annual return | 16.17% | 21.38%-5.2pp | 20.30%-4.1pp | 172.34%-156.2pp |
| Employer contribution / active EE | $0 | $3,533-100.0% | $3,020-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $4,884 | $5,793-15.7% | $5,135-4.9% | $6,730-27.4% |
| Admin fee / account holder | $2,973 | $15,393-80.7% | $12,742-76.7% | $14,365-79.3% |