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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 | $16,524 | $77,817-78.8% | $123,553-86.6% | $64,173-74.3% |
| Participation rate | 56.3% | 74.7%-18.5pp | 82.3%-26.0pp | 69.6%-13.3pp |
| Annual return | -0.46% | 12.49%-12.9pp | 119.21%-119.7pp | 7.63%-8.1pp |
| Employer contribution / active EE | $1,337 | $3,014-55.6% | $4,628-71.1% | $2,381-43.8% |
| Participant deferral / active EE | $2,691 | $5,240-48.6% | $6,426-58.1% | $3,470-22.4% |
| Admin fee / account holder | $341 | $5,519-93.8% | $9,284-96.3% | $4,887-93.0% |