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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 | $15,628 | $59,813-73.9% | $79,580-80.4% | $68,486-77.2% |
| Participation rate | 48.1% | 61.1%-13.0pp | 69.5%-21.4pp | 67.9%-19.8pp |
| Annual return | 61.44% | -12.30%+73.7pp | 0.15%+61.3pp | -7.85%+69.3pp |
| Employer contribution / active EE | $1,603 | $1,505+6.5% | $2,413-33.6% | $2,597-38.3% |
| Participant deferral / active EE | $3,047 | $3,024+0.7% | $3,985-23.5% | $4,028-24.3% |
| Admin fee / account holder | $1,976 | $4,835-59.1% | $6,835-71.1% | $5,404-63.4% |