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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 | $10,118 | $47,944-78.9% | $67,834-85.1% | $62,881-83.9% |
| Participation rate | 53.8% | 61.1%-7.2pp | 68.8%-15.0pp | 69.3%-15.5pp |
| Annual return | 5.93% | 11.77%-5.8pp | 138.47%-132.5pp | 20.14%-14.2pp |
| Employer contribution / active EE | $710 | $1,562-54.5% | $2,403-70.4% | $2,281-68.9% |
| Participant deferral / active EE | $1,399 | $2,247-37.7% | $3,160-55.7% | $3,203-56.3% |
| Admin fee / account holder | $1,806 | $3,712-51.3% | $4,622-60.9% | $4,296-58.0% |