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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 | $18,898 | $67,411-72.0% | $91,004-79.2% | $70,126-73.1% |
| Participation rate | 40.6% | 71.4%-30.7pp | 75.6%-35.0pp | 69.5%-28.9pp |
| Annual return | 17.03% | -40.16%+57.2pp | 4.60%+12.4pp | 73.15%-56.1pp |
| Employer contribution / active EE | $919 | $1,786-48.5% | $2,456-62.6% | $2,343-60.8% |
| Participant deferral / active EE | $1,532 | $2,823-45.7% | $3,548-56.8% | $3,332-54.0% |
| Admin fee / account holder | $1,006 | $4,236-76.3% | $5,417-81.4% | $4,645-78.4% |