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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 | $10,159 | $45,438-77.6% | $80,004-87.3% | $59,633-83.0% |
| Participation rate | 55.3% | 63.7%-8.4pp | 73.0%-17.7pp | 68.7%-13.4pp |
| Annual return | -2.34% | 5.10%-7.4pp | 7.63%-10.0pp | 2041.45%-2043.8pp |
| Employer contribution / active EE | $492 | $1,236-60.2% | $2,473-80.1% | $2,203-77.7% |
| Participant deferral / active EE | $1,609 | $2,231-27.9% | $3,204-49.8% | $3,192-49.6% |
| Admin fee / account holder | $1,249 | $3,464-64.0% | $5,033-75.2% | $4,297-70.9% |