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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 | $8,492 | $81,331-89.6% | $155,534-94.5% | $80,935-89.5% |
| Participation rate | 54.0% | 66.3%-12.3pp | 78.2%-24.2pp | 67.7%-13.7pp |
| Annual return | 26.84% | 33.37%-6.5pp | 64.92%-38.1pp | 35.66%-8.8pp |
| Employer contribution / active EE | $0 | $3,105-100.0% | $4,675-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,535 | $3,454-55.6% | $5,630-72.7% | $4,299-64.3% |
| Admin fee / account holder | $2,394 | $7,999-70.1% | $15,900-84.9% | $6,924-65.4% |