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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 | $15,267 | $64,719-76.4% | $112,249-86.4% | $68,486-77.7% |
| Participation rate | 44.8% | 67.2%-22.3pp | 75.1%-30.2pp | 67.9%-23.1pp |
| Annual return | -19.01% | -11.40%-7.6pp | 27.48%-46.5pp | -7.85%-11.2pp |
| Employer contribution / active EE | $2,042 | $2,747-25.7% | $3,636-43.8% | $2,597-21.4% |
| Participant deferral / active EE | $2,352 | $3,565-34.0% | $4,729-50.3% | $4,028-41.6% |
| Admin fee / account holder | $1,465 | $5,232-72.0% | $6,412-77.1% | $5,404-72.9% |