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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 | $31,989 | $89,123-64.1% | $102,460-68.8% | $77,762-58.9% |
| Participation rate | 50.0% | 80.9%-30.9pp | 76.5%-26.5pp | 70.6%-20.6pp |
| Annual return | 19.01% | 25.05%-6.0pp | 29.47%-10.5pp | 31.27%-12.3pp |
| Employer contribution / active EE | $0 | $2,700-100.0% | $3,025-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $5,088 | $5,148-1.2% | $5,056+0.6% | $4,651+9.4% |
| Admin fee / account holder | $3,531 | $236+1397.1% | $9,460-62.7% | $433+715.7% |