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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 | $24,593 | $81,870-70.0% | $119,622-79.4% | $68,486-64.1% |
| Participation rate | 59.5% | 71.9%-12.4pp | 79.3%-19.8pp | 67.9%-8.4pp |
| Annual return | -14.07% | -23.82%+9.7pp | -14.98%+0.9pp | -7.85%-6.2pp |
| Employer contribution / active EE | $1,765 | $2,692-34.4% | $4,232-58.3% | $2,597-32.0% |
| Participant deferral / active EE | $2,289 | $4,148-44.8% | $5,601-59.1% | $4,028-43.2% |
| Admin fee / account holder | $1,696 | $6,583-74.2% | $10,328-83.6% | $5,404-68.6% |