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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 | $20,474 | $75,058-72.7% | $152,301-86.6% | $64,340-68.2% |
| Participation rate | 27.5% | 60.9%-33.4pp | 82.4%-54.9pp | 55.2%-27.7pp |
| Annual return | 18.55% | 29.93%-11.4pp | 80.50%-61.9pp | 24.14%-5.6pp |
| Employer contribution / active EE | $0 | $2,605-100.0% | $4,624-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $1,450 | $5,041-71.2% | $8,004-81.9% | $2,980-51.3% |
| Admin fee / account holder | $1,747 | $4,050-56.9% | $14,398-87.9% | $3,703-52.8% |