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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 | $18,650 | $62,583-70.2% | $76,767-75.7% | $64,173-70.9% |
| Participation rate | 37.1% | 72.8%-35.7pp | 77.0%-39.8pp | 69.6%-32.4pp |
| Annual return | -5.51% | -1.95%-3.6pp | 2.43%-7.9pp | 7.63%-13.1pp |
| Employer contribution / active EE | $911 | $1,832-50.3% | $2,485-63.4% | $2,381-61.7% |
| Participant deferral / active EE | $1,681 | $3,145-46.5% | $3,852-56.4% | $3,470-51.5% |
| Admin fee / account holder | $2,560 | $4,667-45.2% | $6,675-61.7% | $4,887-47.6% |