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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 | $22,016 | $73,019-69.8% | $90,766-75.7% | $68,490-67.9% |
| Participation rate | 51.1% | 70.8%-19.8pp | 75.7%-24.6pp | 67.9%-16.8pp |
| Annual return | -16.68% | -13.81%-2.9pp | -12.16%-4.5pp | -7.85%-8.8pp |
| Employer contribution / active EE | $0 | $2,193-100.0% | $2,922-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $2,067 | $3,626-43.0% | $4,565-54.7% | $4,028-48.7% |
| Admin fee / account holder | $3,264 | $5,897-44.6% | $8,446-61.4% | $5,403-39.6% |