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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 | $19,354 | $105,200-81.6% | $159,474-87.9% | $85,847-77.5% |
| Participation rate | 52.2% | 75.8%-23.6pp | 82.8%-30.7pp | 69.3%-17.1pp |
| Annual return | 23.12% | 45.08%-22.0pp | 263.68%-240.6pp | 318.61%-295.5pp |
| Employer contribution / active EE | $0 | $3,319-100.0% | $4,831-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $5,866 | $5,946-1.3% | $7,353-20.2% | $3,952+48.4% |
| Admin fee / account holder | $1,333 | $6,934-80.8% | $10,802-87.7% | $6,261-78.7% |