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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 | $63,904-81.8% | $89,340-87.0% | $67,986-82.9% |
| Participation rate | 49.5% | 54.3%-4.8pp | 69.6%-20.0pp | 57.2%-7.7pp |
| Annual return | 17.63% | 18.09%-0.5pp | 20.57%-2.9pp | 31.67%-14.0pp |
| Employer contribution / active EE | $0 | $1,627-100.0% | $2,231-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $1,570 | $2,691-41.7% | $3,823-58.9% | $3,358-53.3% |
| Admin fee / account holder | $578 | $3,315-82.5% | $6,704-91.4% | $3,203-81.9% |