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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 | $20,999 | $73,009-71.2% | $90,756-76.9% | $68,495-69.3% |
| Participation rate | 64.8% | 70.8%-6.0pp | 75.7%-10.9pp | 67.9%-3.1pp |
| Annual return | -17.14% | -13.81%-3.3pp | -12.16%-5.0pp | -7.84%-9.3pp |
| Employer contribution / active EE | $789 | $2,193-64.0% | $2,922-73.0% | $2,596-69.6% |
| Participant deferral / active EE | $1,942 | $3,626-46.4% | $4,565-57.5% | $4,028-51.8% |
| Admin fee / account holder | $1,353 | $5,896-77.1% | $8,445-84.0% | $5,403-75.0% |