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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 | $14,749 | $45,566-67.6% | $64,105-77.0% | $59,633-75.3% |
| Participation rate | 58.1% | 60.2%-2.0pp | 68.2%-10.0pp | 68.7%-10.5pp |
| Annual return | -2.61% | 4.95%-7.6pp | 791.24%-793.9pp | 2041.45%-2044.1pp |
| Employer contribution / active EE | $1,317 | $934+41.0% | $1,820-27.7% | $2,203-40.2% |
| Participant deferral / active EE | $1,839 | $2,057-10.6% | $2,822-34.8% | $3,192-42.4% |
| Admin fee / account holder | $1,669 | $3,268-48.9% | $4,499-62.9% | $4,297-61.2% |