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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 | $17,200 | $60,349-71.5% | $74,184-76.8% | $62,881-72.6% |
| Participation rate | 29.1% | 72.7%-43.6pp | 76.6%-47.5pp | 69.3%-40.2pp |
| Annual return | 16.02% | 21.38%-5.4pp | 17.74%-1.7pp | 20.14%-4.1pp |
| Employer contribution / active EE | $0 | $1,680-100.0% | $2,370-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,427 | $2,856-50.0% | $3,550-59.8% | $3,203-55.4% |
| Admin fee / account holder | $611 | $4,261-85.7% | $5,586-89.1% | $4,296-85.8% |