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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 | $15,334 | $131,835-88.4% | $108,582-85.9% | $273,972-94.4% |
| Participation rate | 58.8% | 83.5%-24.6pp | 79.6%-20.7pp | 83.0%-24.2pp |
| Annual return | 11.16% | -91.57%+102.7pp | -51.70%+62.9pp | 41.46%-30.3pp |
| Employer contribution / active EE | $1,540 | $4,913-68.6% | $3,758-59.0% | $4,869-68.4% |
| Participant deferral / active EE | $3,583 | $5,127-30.1% | $4,311-16.9% | $5,287-32.2% |
| Admin fee / account holder | $1,436 | $10,253-86.0% | $7,645-81.2% | $10,133-85.8% |