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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 | $18,771 | $127,386-85.3% | $115,037-83.7% | $125,388-85.0% |
| Participation rate | 62.5% | 84.2%-21.7pp | 81.4%-18.9pp | 83.2%-20.7pp |
| Annual return | -3.34% | 31.28%-34.6pp | 26.14%-29.5pp | 282.24%-285.6pp |
| Employer contribution / active EE | $1,610 | $5,166-68.8% | $4,608-65.1% | $4,866-66.9% |
| Participant deferral / active EE | $2,662 | $6,423-58.6% | $6,026-55.8% | $5,352-50.3% |
| Admin fee / account holder | $445 | $9,516-95.3% | $8,175-94.6% | $9,541-95.3% |