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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 | $10,737 | $87,546-87.7% | $75,784-85.8% | $125,389-91.4% |
| Participation rate | 57.1% | 80.2%-23.0pp | 75.8%-18.7pp | 83.2%-26.0pp |
| Annual return | -2.07% | 13.49%-15.6pp | 9.68%-11.7pp | 282.24%-284.3pp |
| Employer contribution / active EE | $4,849 | $3,930+23.4% | $3,323+45.9% | $4,866-0.4% |
| Participant deferral / active EE | $2,222 | $4,230-47.5% | $3,652-39.2% | $5,352-58.5% |
| Admin fee / account holder | $740 | $6,503-88.6% | $5,300-86.0% | $9,541-92.2% |