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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 | $16,387 | $183,516-91.1% | $155,534-89.5% | $145,884-88.8% |
| Participation rate | 29.2% | 82.7%-53.5pp | 78.2%-49.1pp | 80.3%-51.1pp |
| Annual return | 15.22% | 61.43%-46.2pp | 64.92%-49.7pp | 551.85%-536.6pp |
| Employer contribution / active EE | $0 | $5,315-100.0% | $4,675-100.0% | $4,662-100.0% |
| Participant deferral / active EE | $1,973 | $6,467-69.5% | $5,630-65.0% | $6,690-70.5% |
| Admin fee / account holder | $1,497 | $19,293-92.2% | $15,900-90.6% | $13,392-88.8% |