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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 | $19,093 | $72,177-73.5% | $115,038-83.4% | $59,633-68.0% |
| Participation rate | 55.9% | 72.6%-16.7pp | 81.4%-25.5pp | 68.7%-12.8pp |
| Annual return | -0.95% | 12.02%-13.0pp | 26.14%-27.1pp | 2041.45%-2042.4pp |
| Employer contribution / active EE | $1,722 | $2,841-39.4% | $4,608-62.6% | $2,203-21.8% |
| Participant deferral / active EE | $3,271 | $4,783-31.6% | $6,026-45.7% | $3,192+2.5% |
| Admin fee / account holder | $3,648 | $4,927-26.0% | $8,175-55.4% | $4,297-15.1% |