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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 | $22,776 | $110,083-79.3% | $151,639-85.0% | $68,486-66.7% |
| Participation rate | 57.1% | 84.0%-26.8pp | 87.5%-30.3pp | 67.9%-10.8pp |
| Annual return | -13.60% | -10.12%-3.5pp | 3.34%-16.9pp | -7.85%-5.7pp |
| Employer contribution / active EE | $2,655 | $4,470-40.6% | $6,165-56.9% | $2,597+2.3% |
| Participant deferral / active EE | $4,950 | $6,526-24.2% | $8,363-40.8% | $4,028+22.9% |
| Admin fee / account holder | $2,089 | $7,718-72.9% | $11,613-82.0% | $5,404-61.3% |