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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 | $20,694 | $125,797-83.6% | $170,057-87.8% | $75,177-72.5% |
| Participation rate | 59.7% | 83.6%-23.9pp | 87.0%-27.3pp | 67.2%-7.5pp |
| Annual return | 54.50% | 27.20%+27.3pp | 53.42%+1.1pp | 160.75%-106.2pp |
| Employer contribution / active EE | $0 | $4,616-100.0% | $6,790-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $8,986 | $6,838+31.4% | $10,411-13.7% | $4,126+117.8% |
| Admin fee / account holder | $1,227 | $8,177-85.0% | $12,826-90.4% | $5,651-78.3% |