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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 | $18,429 | $81,870-77.5% | $119,634-84.6% | $68,490-73.1% |
| Participation rate | 37.5% | 71.9%-34.4pp | 79.3%-41.8pp | 67.9%-30.4pp |
| Annual return | -17.50% | -23.82%+6.3pp | -14.98%-2.5pp | -7.85%-9.6pp |
| Employer contribution / active EE | $1,395 | $2,692-48.2% | $4,232-67.0% | $2,597-46.3% |
| Participant deferral / active EE | $3,609 | $4,148-13.0% | $5,601-35.6% | $4,028-10.4% |
| Admin fee / account holder | $2,804 | $6,583-57.4% | $10,329-72.9% | $5,403-48.1% |