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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 | $25,440 | $101,795-75.0% | $165,100-84.6% | $80,959-68.6% |
| Participation rate | 42.3% | 71.8%-29.5pp | 78.6%-36.3pp | 67.7%-25.4pp |
| Annual return | 17.23% | 16.73%+0.5pp | 70.21%-53.0pp | 35.67%-18.4pp |
| Employer contribution / active EE | $0 | $2,954-100.0% | $4,348-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,521 | $4,476-43.7% | $6,035-58.2% | $4,300-41.4% |
| Admin fee / account holder | $2,236 | $8,221-72.8% | $12,696-82.4% | $6,925-67.7% |