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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 | $10,881 | $44,714-75.7% | $91,225-88.1% | $66,938-83.7% |
| Participation rate | 53.1% | 65.0%-11.9pp | 73.2%-20.1pp | 69.8%-16.7pp |
| Annual return | -17.00% | -12.25%-4.8pp | 114.12%-131.1pp | 1.58%-18.6pp |
| Employer contribution / active EE | $728 | $1,710-57.4% | $2,851-74.5% | $2,545-71.4% |
| Participant deferral / active EE | $1,514 | $3,355-54.9% | $4,233-64.2% | $4,238-64.3% |
| Admin fee / account holder | $1,568 | $521+200.9% | $5,422-71.1% | $594+164.2% |