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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 | $32,975 | $110,137-70.1% | $161,149-79.5% | $82,637-60.1% |
| Participation rate | 40.3% | 72.4%-32.1pp | 78.8%-38.6pp | 68.1%-27.8pp |
| Annual return | 16.62% | 20.69%-4.1pp | 21.16%-4.5pp | 53.51%-36.9pp |
| Employer contribution / active EE | $0 | $2,856-100.0% | $4,360-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $2,788 | $4,575-39.1% | $6,153-54.7% | $4,126-32.4% |
| Admin fee / account holder | $1,200 | $9,467-87.3% | $15,194-92.1% | $7,339-83.7% |