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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 | $12,574 | $127,387-90.1% | $115,038-89.1% | $125,389-90.0% |
| Participation rate | 62.5% | 84.2%-21.7pp | 81.4%-18.9pp | 83.2%-20.7pp |
| Annual return | -1.02% | 31.28%-32.3pp | 26.14%-27.2pp | 282.24%-283.3pp |
| Employer contribution / active EE | $2,281 | $5,166-55.8% | $4,608-50.5% | $4,866-53.1% |
| Participant deferral / active EE | $4,180 | $6,423-34.9% | $6,026-30.6% | $5,352-21.9% |
| Admin fee / account holder | $1,809 | $9,516-81.0% | $8,175-77.9% | $9,541-81.0% |