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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 | $17,628 | $39,245-55.1% | $64,105-72.5% | $52,331-66.3% |
| Participation rate | 62.3% | 58.2%+4.0pp | 68.2%-5.9pp | 68.1%-5.8pp |
| Annual return | -1.65% | 14.79%-16.4pp | 791.24%-792.9pp | 4.54%-6.2pp |
| Employer contribution / active EE | $839 | $736+14.0% | $1,820-53.9% | $1,882-55.4% |
| Participant deferral / active EE | $1,633 | $1,992-18.0% | $2,822-42.1% | $3,022-46.0% |
| Admin fee / account holder | $1,698 | $592+186.6% | $4,499-62.3% | $592+187.0% |