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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 | $17,574 | $64,716-72.8% | $112,258-84.3% | $68,495-74.3% |
| Participation rate | 29.7% | 67.2%-37.4pp | 75.1%-45.3pp | 67.9%-38.2pp |
| Annual return | -16.82% | -11.40%-5.4pp | 27.47%-44.3pp | -7.84%-9.0pp |
| Employer contribution / active EE | $989 | $2,746-64.0% | $3,636-72.8% | $2,596-61.9% |
| Participant deferral / active EE | $1,682 | $3,565-52.8% | $4,728-64.4% | $4,028-58.2% |
| Admin fee / account holder | $3,622 | $5,232-30.8% | $6,411-43.5% | $5,403-33.0% |