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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 | $25,042 | $66,302-62.2% | $110,243-77.3% | $56,289-55.5% |
| Participation rate | 66.0% | 74.9%-8.9pp | 79.8%-13.8pp | 69.9%-3.8pp |
| Annual return | -6.50% | -1.18%-5.3pp | 314.76%-321.3pp | -9.96%+3.5pp |
| Employer contribution / active EE | $1,891 | $2,047-7.6% | $3,827-50.6% | $2,111-10.4% |
| Participant deferral / active EE | $3,071 | $3,381-9.2% | $4,672-34.3% | $3,350-8.3% |
| Admin fee / account holder | $478 | $698-31.6% | $8,548-94.4% | $521-8.3% |