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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 | $28,590 | $82,028-65.1% | $123,105-76.8% | $59,633-52.1% |
| Participation rate | 52.4% | 83.2%-30.8pp | 86.8%-34.4pp | 68.7%-16.3pp |
| Annual return | -0.94% | 5.12%-6.1pp | 13.22%-14.2pp | 2041.45%-2042.4pp |
| Employer contribution / active EE | $1,273 | $3,297-61.4% | $5,151-75.3% | $2,203-42.2% |
| Participant deferral / active EE | $3,635 | $4,667-22.1% | $6,229-41.7% | $3,192+13.9% |
| Admin fee / account holder | $324 | $5,879-94.5% | $9,014-96.4% | $4,297-92.5% |