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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 | $20,876 | $127,387-83.6% | $115,038-81.9% | $125,389-83.4% |
| Participation rate | 61.1% | 84.2%-23.0pp | 81.4%-20.3pp | 83.2%-22.1pp |
| Annual return | -2.99% | 31.28%-34.3pp | 26.14%-29.1pp | 282.24%-285.2pp |
| Employer contribution / active EE | $1,640 | $5,166-68.3% | $4,608-64.4% | $4,866-66.3% |
| Participant deferral / active EE | $3,573 | $6,423-44.4% | $6,026-40.7% | $5,352-33.2% |
| Admin fee / account holder | $384 | $9,516-96.0% | $8,175-95.3% | $9,541-96.0% |