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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 | $23,713 | $138,393-82.9% | $184,256-87.1% | $80,959-70.7% |
| Participation rate | 58.5% | 83.9%-25.4pp | 86.8%-28.3pp | 67.7%-9.2pp |
| Annual return | 33.28% | 20.01%+13.3pp | 28.85%+4.4pp | 35.67%-2.4pp |
| Employer contribution / active EE | $0 | $4,847-100.0% | $6,427-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $4,885 | $7,076-31.0% | $9,133-46.5% | $4,300+13.6% |
| Admin fee / account holder | $2,524 | $10,489-75.9% | $13,899-81.8% | $6,925-63.6% |