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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 | $15,088 | $43,730-65.5% | $121,220-87.6% | $64,173-76.5% |
| Participation rate | 56.3% | 58.3%-2.1pp | 71.8%-15.5pp | 69.6%-13.3pp |
| Annual return | -7.65% | 68.94%-76.6pp | 16.94%-24.6pp | 7.63%-15.3pp |
| Employer contribution / active EE | $1,702 | $1,297+31.2% | $4,023-57.7% | $2,381-28.5% |
| Participant deferral / active EE | $1,205 | $2,281-47.2% | $3,345-64.0% | $3,470-65.3% |
| Admin fee / account holder | $1,036 | $3,502-70.4% | $5,021-79.4% | $4,887-78.8% |