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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 | $18,955 | $55,449-65.8% | $83,850-77.4% | $56,287-66.3% |
| Participation rate | 55.0% | 68.0%-13.0pp | 76.1%-21.1pp | 69.9%-14.9pp |
| Annual return | -5.19% | -1.38%-3.8pp | 850.92%-856.1pp | -9.96%+4.8pp |
| Employer contribution / active EE | $1,397 | $2,430-42.5% | $3,631-61.5% | $2,111-33.8% |
| Participant deferral / active EE | $2,380 | $2,935-18.9% | $4,082-41.7% | $3,350-28.9% |
| Admin fee / account holder | $1,824 | $656+178.0% | $5,478-66.7% | $521+250.1% |