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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 | $18,009 | $72,404-75.1% | $110,243-83.7% | $64,173-71.9% |
| Participation rate | 53.8% | 73.3%-19.5pp | 79.8%-26.0pp | 69.6%-15.7pp |
| Annual return | -7.36% | -6.29%-1.1pp | 314.76%-322.1pp | 7.63%-15.0pp |
| Employer contribution / active EE | $805 | $2,282-64.7% | $3,827-79.0% | $2,381-66.2% |
| Participant deferral / active EE | $3,580 | $3,469+3.2% | $4,672-23.4% | $3,470+3.2% |
| Admin fee / account holder | $3,044 | $5,664-46.3% | $8,548-64.4% | $4,887-37.7% |