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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 | $18,044 | $74,535-75.8% | $100,712-82.1% | $82,637-78.2% |
| Participation rate | 67.6% | 61.2%+6.4pp | 69.3%-1.7pp | 68.1%-0.5pp |
| Annual return | 24.98% | 18.92%+6.1pp | 33.27%-8.3pp | 53.51%-28.5pp |
| Employer contribution / active EE | $0 | $1,503-100.0% | $2,313-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $2,392 | $3,074-22.2% | $4,085-41.4% | $4,126-42.0% |
| Admin fee / account holder | $1,778 | $6,576-73.0% | $9,256-80.8% | $7,339-75.8% |