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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 | $25,521 | $72,404-64.8% | $110,243-76.9% | $64,173-60.2% |
| Participation rate | 51.2% | 73.3%-22.2pp | 79.8%-28.7pp | 69.6%-18.4pp |
| Annual return | -4.35% | -6.29%+1.9pp | 314.76%-319.1pp | 7.63%-12.0pp |
| Employer contribution / active EE | $786 | $2,282-65.6% | $3,827-79.5% | $2,381-67.0% |
| Participant deferral / active EE | $1,786 | $3,469-48.5% | $4,672-61.8% | $3,470-48.5% |
| Admin fee / account holder | $2,198 | $5,664-61.2% | $8,548-74.3% | $4,887-55.0% |