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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 | $19,107 | $67,595-71.7% | $186,193-89.7% | $64,340-70.3% |
| Participation rate | 47.2% | 51.9%-4.7pp | 77.1%-29.9pp | 55.2%-8.0pp |
| Annual return | 17.74% | 17.46%+0.3pp | 78.03%-60.3pp | 24.14%-6.4pp |
| Employer contribution / active EE | $0 | $1,513-100.0% | $3,918-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $1,594 | $3,023-47.3% | $6,513-75.5% | $2,980-46.5% |
| Admin fee / account holder | $603 | $5,311-88.6% | $11,058-94.5% | $3,703-83.7% |