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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 | $18,660 | $71,873-74.0% | $86,698-78.5% | $68,490-72.8% |
| Participation rate | 62.2% | 72.2%-10.0pp | 76.6%-14.4pp | 67.9%-5.7pp |
| Annual return | -16.10% | 3.54%-19.6pp | 35.96%-52.1pp | -7.85%-8.2pp |
| Employer contribution / active EE | $1,168 | $2,173-46.3% | $2,837-58.8% | $2,597-55.0% |
| Participant deferral / active EE | $2,742 | $3,779-27.4% | $4,656-41.1% | $4,028-31.9% |
| Admin fee / account holder | $1,266 | $6,110-79.3% | $7,492-83.1% | $5,403-76.6% |