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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 | $4,647 | $39,162-88.1% | $100,671-95.4% | $59,633-92.2% |
| Participation rate | 53.8% | 55.9%-2.1pp | 70.7%-17.0pp | 68.7%-14.9pp |
| Annual return | -1.51% | 21.07%-22.6pp | 20.43%-21.9pp | 2041.45%-2043.0pp |
| Employer contribution / active EE | $601 | $1,151-47.8% | $4,012-85.0% | $2,203-72.7% |
| Participant deferral / active EE | $1,589 | $1,992-20.2% | $3,144-49.5% | $3,192-50.2% |
| Admin fee / account holder | $1,388 | $2,969-53.3% | $4,850-71.4% | $4,297-67.7% |