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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 | $21,576 | $67,411-68.0% | $91,004-76.3% | $70,126-69.2% |
| Participation rate | 60.0% | 71.4%-11.4pp | 75.6%-15.6pp | 69.5%-9.5pp |
| Annual return | 15.99% | -40.16%+56.2pp | 4.60%+11.4pp | 73.15%-57.2pp |
| Employer contribution / active EE | $406 | $1,786-77.3% | $2,456-83.5% | $2,343-82.7% |
| Participant deferral / active EE | $1,269 | $2,823-55.0% | $3,548-64.2% | $3,332-61.9% |
| Admin fee / account holder | $1,373 | $4,236-67.6% | $5,417-74.7% | $4,645-70.5% |