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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 | $10,355 | $67,411-84.6% | $91,004-88.6% | $70,126-85.2% |
| Participation rate | 56.9% | 71.4%-14.4pp | 75.6%-18.7pp | 69.5%-12.6pp |
| Annual return | 23.35% | -40.16%+63.5pp | 4.60%+18.7pp | 73.15%-49.8pp |
| Employer contribution / active EE | $1,014 | $1,786-43.2% | $2,456-58.7% | $2,343-56.7% |
| Participant deferral / active EE | $2,203 | $2,823-21.9% | $3,548-37.9% | $3,332-33.9% |
| Admin fee / account holder | $844 | $4,236-80.1% | $5,417-84.4% | $4,645-81.8% |