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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 | $19,463 | $127,387-84.7% | $115,038-83.1% | $125,389-84.5% |
| Participation rate | 37.5% | 84.2%-46.7pp | 81.4%-43.9pp | 83.2%-45.7pp |
| Annual return | -1.03% | 31.28%-32.3pp | 26.14%-27.2pp | 282.24%-283.3pp |
| Employer contribution / active EE | $932 | $5,166-82.0% | $4,608-79.8% | $4,866-80.8% |
| Participant deferral / active EE | $2,169 | $6,423-66.2% | $6,026-64.0% | $5,352-59.5% |
| Admin fee / account holder | $648 | $9,516-93.2% | $8,175-92.1% | $9,541-93.2% |