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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 | $10,414 | $73,009-85.7% | $90,756-88.5% | $68,495-84.8% |
| Participation rate | 44.7% | 70.8%-26.1pp | 75.7%-31.0pp | 67.9%-23.2pp |
| Annual return | -17.47% | -13.81%-3.7pp | -12.16%-5.3pp | -7.84%-9.6pp |
| Employer contribution / active EE | $1,005 | $2,193-54.1% | $2,922-65.6% | $2,596-61.3% |
| Participant deferral / active EE | $2,293 | $3,626-36.8% | $4,565-49.8% | $4,028-43.1% |
| Admin fee / account holder | $364 | $5,896-93.8% | $8,445-95.7% | $5,403-93.3% |