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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 | $14,177 | $45,566-68.9% | $64,105-77.9% | $59,633-76.2% |
| Participation rate | 22.0% | 60.2%-38.2pp | 68.2%-46.2pp | 68.7%-46.7pp |
| Annual return | -1.43% | 4.95%-6.4pp | 791.24%-792.7pp | 2041.40%-2042.8pp |
| Employer contribution / active EE | $600 | $934-35.8% | $1,820-67.0% | $2,203-72.8% |
| Participant deferral / active EE | $1,116 | $2,057-45.8% | $2,822-60.5% | $3,192-65.0% |
| Admin fee / account holder | $329 | $3,268-89.9% | $4,499-92.7% | $4,297-92.3% |