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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 | $21,985 | $93,345-76.4% | $119,126-81.5% | $87,485-74.9% |
| Participation rate | 57.6% | 68.7%-11.2pp | 75.8%-18.2pp | 68.9%-11.4pp |
| Annual return | 13.30% | 19.08%-5.8pp | 282.11%-268.8pp | 26.06%-12.8pp |
| Employer contribution / active EE | $0 | $3,172-100.0% | $4,034-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,596 | $4,099-36.7% | $5,318-51.2% | $4,274-39.3% |
| Admin fee / account holder | $3,365 | $8,039-58.1% | $10,693-68.5% | $7,775-56.7% |