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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 | $29,322 | $145,431-79.8% | $211,142-86.1% | $87,485-66.5% |
| Participation rate | 59.7% | 84.7%-25.0pp | 87.3%-27.5pp | 68.9%-9.2pp |
| Annual return | 21.56% | 27.21%-5.6pp | 46.84%-25.3pp | 26.06%-4.5pp |
| Employer contribution / active EE | $0 | $4,662-100.0% | $6,442-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $5,817 | $6,859-15.2% | $9,284-37.3% | $4,274+36.1% |
| Admin fee / account holder | $1,007 | $17,052-94.1% | $19,076-94.7% | $7,775-87.1% |