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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 | $15,920 | $65,704-75.8% | $94,229-83.1% | $59,633-73.3% |
| Participation rate | 50.0% | 72.1%-22.1pp | 78.8%-28.8pp | 68.7%-18.7pp |
| Annual return | -1.14% | 5.22%-6.4pp | 10.68%-11.8pp | 2041.45%-2042.6pp |
| Employer contribution / active EE | $1,046 | $2,021-48.2% | $3,587-70.8% | $2,203-52.5% |
| Participant deferral / active EE | $2,577 | $3,143-18.0% | $4,320-40.4% | $3,192-19.3% |
| Admin fee / account holder | $3,213 | $4,265-24.7% | $6,269-48.8% | $4,297-25.2% |