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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 | $20,698 | $54,380-61.9% | $68,509-69.8% | $59,633-65.3% |
| Participation rate | 44.8% | 70.2%-25.4pp | 74.7%-30.0pp | 68.7%-23.9pp |
| Annual return | -0.71% | 2.83%-3.5pp | 8.27%-9.0pp | 2041.45%-2042.2pp |
| Employer contribution / active EE | $609 | $1,539-60.4% | $2,278-73.2% | $2,203-72.3% |
| Participant deferral / active EE | $1,359 | $2,643-48.6% | $3,382-59.8% | $3,192-57.4% |
| Admin fee / account holder | $6,969 | $3,885+79.4% | $5,275+32.1% | $4,297+62.2% |