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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 | $35,497 | $125,797-71.8% | $170,028-79.1% | $75,181-52.8% |
| Participation rate | 34.8% | 83.6%-48.8pp | 87.0%-52.2pp | 67.2%-32.4pp |
| Annual return | 16.28% | 27.20%-10.9pp | 53.39%-37.1pp | 160.69%-144.4pp |
| Employer contribution / active EE | $0 | $4,616-100.0% | $6,788-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $6,661 | $6,838-2.6% | $10,409-36.0% | $4,126+61.4% |
| Admin fee / account holder | $2,297 | $8,177-71.9% | $12,820-82.1% | $5,650-59.3% |