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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 | $19,687 | $81,870-76.0% | $119,634-83.5% | $68,490-71.3% |
| Participation rate | 62.1% | 71.9%-9.8pp | 79.3%-17.2pp | 67.9%-5.8pp |
| Annual return | -17.91% | -23.82%+5.9pp | -14.98%-2.9pp | -7.85%-10.1pp |
| Employer contribution / active EE | $2,049 | $2,692-23.9% | $4,232-51.6% | $2,597-21.1% |
| Participant deferral / active EE | $3,415 | $4,148-17.7% | $5,601-39.0% | $4,028-15.2% |
| Admin fee / account holder | $360 | $6,583-94.5% | $10,329-96.5% | $5,403-93.3% |