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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 | $18,792 | $73,019-74.3% | $90,766-79.3% | $68,490-72.6% |
| Participation rate | 46.9% | 70.8%-24.0pp | 75.7%-28.8pp | 67.9%-21.0pp |
| Annual return | -3.76% | -13.81%+10.0pp | -12.16%+8.4pp | -7.85%+4.1pp |
| Employer contribution / active EE | $596 | $2,193-72.8% | $2,922-79.6% | $2,597-77.1% |
| Participant deferral / active EE | $2,113 | $3,626-41.7% | $4,565-53.7% | $4,028-47.5% |
| Admin fee / account holder | $1,234 | $5,897-79.1% | $8,446-85.4% | $5,403-77.2% |