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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 | $11,647 | $62,086-81.2% | $90,259-87.1% | $64,340-81.9% |
| Participation rate | 49.5% | 53.9%-4.3pp | 70.7%-21.2pp | 55.2%-5.7pp |
| Annual return | 17.63% | 16.73%+0.9pp | 18.88%-1.3pp | 24.14%-6.5pp |
| Employer contribution / active EE | $0 | $1,883-100.0% | $2,291-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $1,570 | $2,557-38.6% | $3,827-59.0% | $2,980-47.3% |
| Admin fee / account holder | $578 | $3,317-82.6% | $7,267-92.0% | $3,703-84.4% |