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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 | $14,157 | $97,648-85.5% | $121,663-88.4% | $87,485-83.8% |
| Participation rate | 48.3% | 70.5%-22.2pp | 74.5%-26.2pp | 68.9%-20.7pp |
| Annual return | 15.54% | 18.03%-2.5pp | 147.54%-132.0pp | 26.06%-10.5pp |
| Employer contribution / active EE | $0 | $2,300-100.0% | $3,020-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,365 | $3,923-39.7% | $4,887-51.6% | $4,274-44.7% |
| Admin fee / account holder | $1,080 | $11,100-90.3% | $14,289-92.4% | $7,775-86.1% |