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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 | $18,222 | $82,674-78.0% | $125,363-85.5% | $68,495-73.4% |
| Participation rate | 53.7% | 75.0%-21.4pp | 82.4%-28.7pp | 67.9%-14.2pp |
| Annual return | -16.13% | -5.97%-10.2pp | 572.15%-588.3pp | -7.84%-8.3pp |
| Employer contribution / active EE | $1,446 | $3,382-57.2% | $4,815-70.0% | $2,596-44.3% |
| Participant deferral / active EE | $2,551 | $6,111-58.2% | $7,447-65.7% | $4,028-36.7% |
| Admin fee / account holder | $1,566 | $6,276-75.1% | $10,005-84.4% | $5,403-71.0% |