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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 | $18,475 | $86,692-78.7% | $119,634-84.6% | $66,949-72.4% |
| Participation rate | 67.5% | 75.6%-8.1pp | 79.3%-11.8pp | 69.8%-2.3pp |
| Annual return | -15.99% | -8.00%-8.0pp | -14.98%-1.0pp | 1.57%-17.6pp |
| Employer contribution / active EE | $1,866 | $2,536-26.4% | $4,232-55.9% | $2,545-26.7% |
| Participant deferral / active EE | $2,839 | $4,360-34.9% | $5,601-49.3% | $4,239-33.0% |
| Admin fee / account holder | $2,248 | $755+197.7% | $10,329-78.2% | $594+278.6% |