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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 | $21,306 | $65,084-67.3% | $67,681-68.5% | $64,340-66.9% |
| Participation rate | 24.1% | 66.7%-42.7pp | 73.7%-49.6pp | 55.2%-31.2pp |
| Annual return | 18.58% | 20.50%-1.9pp | 590.58%-572.0pp | 24.14%-5.6pp |
| Employer contribution / active EE | $0 | $2,398-100.0% | $2,678-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $1,399 | $3,210-56.4% | $3,976-64.8% | $2,980-53.1% |
| Admin fee / account holder | $771 | $1,415-45.5% | $6,100-87.4% | $3,703-79.2% |