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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 | $18,774 | $73,009-74.3% | $90,760-79.3% | $68,486-72.6% |
| Participation rate | 61.9% | 70.8%-8.9pp | 75.7%-13.8pp | 67.9%-6.0pp |
| Annual return | -17.59% | -13.81%-3.8pp | -12.16%-5.4pp | -7.85%-9.7pp |
| Employer contribution / active EE | $1,242 | $2,193-43.4% | $2,922-57.5% | $2,597-52.2% |
| Participant deferral / active EE | $2,009 | $3,626-44.6% | $4,565-56.0% | $4,028-50.1% |
| Admin fee / account holder | $428 | $5,896-92.7% | $8,444-94.9% | $5,404-92.1% |