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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 | $23,314 | $131,835-82.3% | $108,582-78.5% | $273,972-91.5% |
| Participation rate | 54.2% | 83.5%-29.3pp | 79.6%-25.4pp | 83.0%-28.8pp |
| Annual return | 11.70% | -91.57%+103.3pp | -51.70%+63.4pp | 41.46%-29.8pp |
| Employer contribution / active EE | $1,455 | $4,913-70.4% | $3,758-61.3% | $4,869-70.1% |
| Participant deferral / active EE | $3,608 | $5,127-29.6% | $4,311-16.3% | $5,287-31.8% |
| Admin fee / account holder | $754 | $10,253-92.6% | $7,645-90.1% | $10,133-92.6% |