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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 | $12,334 | $83,427-85.2% | $115,756-89.3% | $68,490-82.0% |
| Participation rate | 52.4% | 71.9%-19.5pp | 77.1%-24.7pp | 67.9%-15.5pp |
| Annual return | -9.31% | -10.95%+1.6pp | 143.14%-152.5pp | -7.85%-1.5pp |
| Employer contribution / active EE | $1,958 | $3,075-36.3% | $3,793-48.4% | $2,597-24.6% |
| Participant deferral / active EE | $4,218 | $5,355-21.2% | $6,254-32.6% | $4,028+4.7% |
| Admin fee / account holder | $2,930 | $5,708-48.7% | $8,124-63.9% | $5,403-45.8% |