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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 | $32,308 | $110,083-70.7% | $151,628-78.7% | $68,495-52.8% |
| Participation rate | 54.9% | 84.0%-29.0pp | 87.5%-32.6pp | 67.9%-13.0pp |
| Annual return | 15.89% | -10.12%+26.0pp | 3.34%+12.6pp | -7.84%+23.7pp |
| Employer contribution / active EE | $0 | $4,470-100.0% | $6,165-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $5,808 | $6,526-11.0% | $8,363-30.5% | $4,028+44.2% |
| Admin fee / account holder | $1,115 | $7,718-85.6% | $11,613-90.4% | $5,403-79.4% |