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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 | $37,960 | $138,393-72.6% | $184,256-79.4% | $80,959-53.1% |
| Participation rate | 63.6% | 83.9%-20.3pp | 86.8%-23.2pp | 67.7%-4.0pp |
| Annual return | 60.26% | 20.01%+40.3pp | 28.85%+31.4pp | 35.67%+24.6pp |
| Employer contribution / active EE | $0 | $4,847-100.0% | $6,427-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $12,344 | $7,076+74.4% | $9,133+35.2% | $4,300+187.0% |
| Admin fee / account holder | $5,741 | $10,489-45.3% | $13,899-58.7% | $6,925-17.1% |