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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 | $21,198 | $72,404-70.7% | $110,243-80.8% | $64,173-67.0% |
| Participation rate | 56.6% | 73.3%-16.8pp | 79.8%-23.2pp | 69.6%-13.0pp |
| Annual return | -6.02% | -6.29%+0.3pp | 314.76%-320.8pp | 7.63%-13.7pp |
| Employer contribution / active EE | $988 | $2,282-56.7% | $3,827-74.2% | $2,381-58.5% |
| Participant deferral / active EE | $1,617 | $3,469-53.4% | $4,672-65.4% | $3,470-53.4% |
| Admin fee / account holder | $5,389 | $5,664-4.9% | $8,548-37.0% | $4,887+10.3% |