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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 | $20,735 | $113,941-81.8% | $94,229-78.0% | $125,389-83.5% |
| Participation rate | 60.0% | 82.9%-22.9pp | 78.8%-18.8pp | 83.2%-23.2pp |
| Annual return | -0.38% | 5.29%-5.7pp | 10.68%-11.1pp | 282.24%-282.6pp |
| Employer contribution / active EE | $785 | $4,727-83.4% | $3,587-78.1% | $4,866-83.9% |
| Participant deferral / active EE | $1,697 | $5,179-67.2% | $4,320-60.7% | $5,352-68.3% |
| Admin fee / account holder | $868 | $8,392-89.7% | $6,269-86.2% | $9,541-90.9% |