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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 | $18,685 | $72,404-74.2% | $110,243-83.1% | $64,173-70.9% |
| Participation rate | 51.2% | 73.3%-22.2pp | 79.8%-28.7pp | 69.6%-18.4pp |
| Annual return | -6.41% | -6.29%-0.1pp | 314.76%-321.2pp | 7.63%-14.0pp |
| Employer contribution / active EE | $819 | $2,282-64.1% | $3,827-78.6% | $2,381-65.6% |
| Participant deferral / active EE | $1,808 | $3,469-47.9% | $4,672-61.3% | $3,470-47.9% |
| Admin fee / account holder | $454 | $5,664-92.0% | $8,548-94.7% | $4,887-90.7% |