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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 | $16,714 | $71,878-76.7% | $86,698-80.7% | $68,486-75.6% |
| Participation rate | 42.9% | 72.2%-29.4pp | 76.6%-33.7pp | 67.9%-25.0pp |
| Annual return | -18.17% | 3.53%-21.7pp | 35.95%-54.1pp | -7.85%-10.3pp |
| Employer contribution / active EE | $1,102 | $2,173-49.3% | $2,837-61.2% | $2,597-57.6% |
| Participant deferral / active EE | $2,635 | $3,779-30.3% | $4,656-43.4% | $4,028-34.6% |
| Admin fee / account holder | $791 | $6,113-87.1% | $7,493-89.4% | $5,404-85.4% |