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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 | $15,812 | $52,678-70.0% | $75,784-79.1% | $59,633-73.5% |
| Participation rate | 65.9% | 67.2%-1.4pp | 75.8%-10.0pp | 68.7%-2.8pp |
| Annual return | -1.41% | 2.95%-4.4pp | 9.68%-11.1pp | 2041.45%-2042.9pp |
| Employer contribution / active EE | $949 | $2,193-56.7% | $3,323-71.4% | $2,203-56.9% |
| Participant deferral / active EE | $1,815 | $2,591-30.0% | $3,652-50.3% | $3,192-43.1% |
| Admin fee / account holder | $1,464 | $3,610-59.5% | $5,300-72.4% | $4,297-65.9% |