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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 | $14,415 | $81,870-82.4% | $119,622-87.9% | $68,486-79.0% |
| Participation rate | 47.0% | 71.9%-24.9pp | 79.3%-32.3pp | 67.9%-20.9pp |
| Annual return | -13.18% | -23.82%+10.6pp | -14.98%+1.8pp | -7.85%-5.3pp |
| Employer contribution / active EE | $1,598 | $2,692-40.6% | $4,232-62.2% | $2,597-38.4% |
| Participant deferral / active EE | $2,166 | $4,148-47.8% | $5,601-61.3% | $4,028-46.2% |
| Admin fee / account holder | $3,410 | $6,583-48.2% | $10,328-67.0% | $5,404-36.9% |