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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 | $18,342 | $114,712-84.0% | $173,730-89.4% | $87,485-79.0% |
| Participation rate | 61.5% | 73.0%-11.5pp | 79.6%-18.0pp | 68.9%-7.4pp |
| Annual return | 18.71% | 20.18%-1.5pp | 19.96%-1.2pp | 26.06%-7.3pp |
| Employer contribution / active EE | $0 | $2,904-100.0% | $4,577-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $3,707 | $4,642-20.1% | $6,326-41.4% | $4,274-13.2% |
| Admin fee / account holder | $463 | $10,210-95.5% | $17,523-97.4% | $7,775-94.0% |