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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 | $17,269 | $67,411-74.4% | $91,004-81.0% | $70,126-75.4% |
| Participation rate | 48.8% | 71.4%-22.6pp | 75.6%-26.8pp | 69.5%-20.8pp |
| Annual return | 20.39% | -40.16%+60.6pp | 4.60%+15.8pp | 73.15%-52.8pp |
| Employer contribution / active EE | $1,333 | $1,786-25.4% | $2,456-45.7% | $2,343-43.1% |
| Participant deferral / active EE | $2,015 | $2,823-28.6% | $3,548-43.2% | $3,332-39.5% |
| Admin fee / account holder | $678 | $4,236-84.0% | $5,417-87.5% | $4,645-85.4% |