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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 | $10,601 | $82,678-87.2% | $125,391-91.5% | $68,490-84.5% |
| Participation rate | 54.8% | 75.1%-20.3pp | 82.4%-27.6pp | 67.9%-13.1pp |
| Annual return | 2.56% | -5.97%+8.5pp | 572.41%-569.9pp | -7.85%+10.4pp |
| Employer contribution / active EE | $1,341 | $3,382-60.3% | $4,816-72.1% | $2,597-48.3% |
| Participant deferral / active EE | $2,855 | $6,111-53.3% | $7,448-61.7% | $4,028-29.1% |
| Admin fee / account holder | $945 | $6,277-85.0% | $10,009-90.6% | $5,403-82.5% |