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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 | $19,961 | $67,602-70.5% | $82,312-75.7% | $70,126-71.5% |
| Participation rate | 25.4% | 72.8%-47.4pp | 76.9%-51.5pp | 69.5%-44.1pp |
| Annual return | 15.65% | 21.57%-5.9pp | 25.88%-10.2pp | 73.15%-57.5pp |
| Employer contribution / active EE | $0 | $1,755-100.0% | $2,428-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,351 | $2,987-54.8% | $3,706-63.6% | $3,332-59.5% |
| Admin fee / account holder | $2,442 | $4,512-45.9% | $5,608-56.5% | $4,645-47.4% |