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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 | $9,706 | $81,487-88.1% | $102,412-90.5% | $80,935-88.0% |
| Participation rate | 64.5% | 66.8%-2.3pp | 74.5%-10.0pp | 67.7%-3.1pp |
| Annual return | 12.51% | 25.60%-13.1pp | 24.94%-12.4pp | 35.66%-23.1pp |
| Employer contribution / active EE | $0 | $3,103-100.0% | $3,870-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,845 | $3,871-52.3% | $5,060-63.5% | $4,299-57.1% |
| Admin fee / account holder | $1,663 | $6,717-75.2% | $8,388-80.2% | $6,924-76.0% |