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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 | $20,622 | $127,386-83.8% | $115,037-82.1% | $125,388-83.6% |
| Participation rate | 57.1% | 84.2%-27.0pp | 81.4%-24.2pp | 83.2%-26.0pp |
| Annual return | -0.14% | 31.28%-31.4pp | 26.14%-26.3pp | 282.24%-282.4pp |
| Employer contribution / active EE | $2,234 | $5,166-56.8% | $4,608-51.5% | $4,866-54.1% |
| Participant deferral / active EE | $6,288 | $6,423-2.1% | $6,026+4.3% | $5,352+17.5% |
| Admin fee / account holder | $1,953 | $9,516-79.5% | $8,175-76.1% | $9,541-79.5% |