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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 | $17,205 | $77,816-77.9% | $123,552-86.1% | $64,173-73.2% |
| Participation rate | 48.1% | 74.7%-26.6pp | 82.3%-34.1pp | 69.6%-21.4pp |
| Annual return | -1.61% | 12.49%-14.1pp | 119.20%-120.8pp | 7.63%-9.2pp |
| Employer contribution / active EE | $1,073 | $3,014-64.4% | $4,628-76.8% | $2,381-54.9% |
| Participant deferral / active EE | $4,273 | $5,240-18.5% | $6,426-33.5% | $3,470+23.2% |
| Admin fee / account holder | $8,777 | $5,519+59.0% | $9,285-5.5% | $4,887+79.6% |