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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 | $24,258 | $67,411-64.0% | $91,004-73.3% | $70,126-65.4% |
| Participation rate | 43.2% | 71.4%-28.2pp | 75.6%-32.4pp | 69.5%-26.4pp |
| Annual return | 23.03% | -40.16%+63.2pp | 4.60%+18.4pp | 73.15%-50.1pp |
| Employer contribution / active EE | $1,128 | $1,786-36.9% | $2,456-54.1% | $2,343-51.9% |
| Participant deferral / active EE | $1,979 | $2,823-29.9% | $3,548-44.2% | $3,332-40.6% |
| Admin fee / account holder | $1,371 | $4,236-67.6% | $5,417-74.7% | $4,645-70.5% |