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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 | $23,796 | $66,486-64.2% | $81,370-70.8% | $77,762-69.4% |
| Participation rate | 16.7% | 68.7%-52.0pp | 69.5%-52.8pp | 70.6%-53.9pp |
| Annual return | 17.04% | 15.95%+1.1pp | 24.85%-7.8pp | 31.27%-14.2pp |
| Employer contribution / active EE | $0 | $2,158-100.0% | $2,464-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $1,688 | $3,677-54.1% | $3,885-56.6% | $4,651-63.7% |
| Admin fee / account holder | $2,315 | $586+295.2% | $5,749-59.7% | $433+434.7% |