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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 | $19,316 | $127,387-84.8% | $115,038-83.2% | $125,389-84.6% |
| Participation rate | 61.5% | 84.2%-22.6pp | 81.4%-19.8pp | 83.2%-21.7pp |
| Annual return | -0.15% | 31.28%-31.4pp | 26.14%-26.3pp | 282.24%-282.4pp |
| Employer contribution / active EE | $2,121 | $5,166-59.0% | $4,608-54.0% | $4,866-56.4% |
| Participant deferral / active EE | $6,324 | $6,423-1.5% | $6,026+4.9% | $5,352+18.2% |
| Admin fee / account holder | $3,383 | $9,516-64.4% | $8,175-58.6% | $9,541-64.5% |