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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 | $18,183 | $65,364-72.2% | $92,909-80.4% | $72,975-75.1% |
| Participation rate | 63.9% | 68.3%-4.4pp | 76.0%-12.1pp | 69.5%-5.6pp |
| Annual return | 21.13% | 42.11%-21.0pp | 109.44%-88.3pp | 81.01%-59.9pp |
| Employer contribution / active EE | $0 | $2,594-100.0% | $3,653-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $1,646 | $3,128-47.4% | $4,238-61.2% | $3,608-54.4% |
| Admin fee / account holder | $449 | $4,251-89.4% | $5,795-92.3% | $5,124-91.2% |