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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 | $20,909 | $72,404-71.1% | $110,241-81.0% | $64,181-67.4% |
| Participation rate | 50.0% | 73.3%-23.3pp | 79.8%-29.8pp | 69.6%-19.6pp |
| Annual return | -5.29% | -6.29%+1.0pp | 314.75%-320.0pp | 7.63%-12.9pp |
| Employer contribution / active EE | $1,169 | $2,282-48.7% | $3,827-69.4% | $2,381-50.9% |
| Participant deferral / active EE | $2,408 | $3,469-30.6% | $4,672-48.5% | $3,470-30.6% |
| Admin fee / account holder | $3,453 | $5,664-39.0% | $8,548-59.6% | $4,887-29.3% |