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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 | $19,038 | $54,541-65.1% | $78,778-75.8% | $70,126-72.9% |
| Participation rate | 43.0% | 60.8%-17.8pp | 69.2%-26.2pp | 69.5%-26.5pp |
| Annual return | 21.32% | 21.07%+0.2pp | 35.62%-14.3pp | 73.15%-51.8pp |
| Employer contribution / active EE | $0 | $1,089-100.0% | $1,986-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,663 | $2,210-24.7% | $2,958-43.8% | $3,332-50.1% |
| Admin fee / account holder | $1,365 | $3,709-63.2% | $5,134-73.4% | $4,645-70.6% |