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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 | $16,051 | $42,548-62.3% | $74,551-78.5% | $56,289-71.5% |
| Participation rate | 53.4% | 60.5%-7.1pp | 69.1%-15.7pp | 69.9%-16.5pp |
| Annual return | -2.87% | 12.40%-15.3pp | 32.53%-35.4pp | -9.96%+7.1pp |
| Employer contribution / active EE | $938 | $855+9.7% | $1,961-52.2% | $2,111-55.6% |
| Participant deferral / active EE | $1,512 | $2,277-33.6% | $3,108-51.4% | $3,350-54.9% |
| Admin fee / account holder | $409 | $467-12.5% | $5,059-91.9% | $521-21.5% |