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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 | $11,378 | $88,360-87.1% | $145,433-92.2% | $67,986-83.3% |
| Participation rate | 40.2% | 65.5%-25.3pp | 82.1%-41.9pp | 57.2%-17.0pp |
| Annual return | 16.36% | 63.15%-46.8pp | 66.58%-50.2pp | 31.67%-15.3pp |
| Employer contribution / active EE | $0 | $3,054-100.0% | $4,554-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $1,979 | $5,932-66.6% | $7,897-74.9% | $3,358-41.1% |
| Admin fee / account holder | $1,439 | $3,313-56.6% | $13,129-89.0% | $3,203-55.1% |