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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 | $15,744 | $82,678-81.0% | $125,391-87.4% | $68,490-77.0% |
| Participation rate | 62.2% | 75.1%-12.9pp | 82.4%-20.2pp | 67.9%-5.7pp |
| Annual return | -17.49% | -5.97%-11.5pp | 572.41%-589.9pp | -7.85%-9.6pp |
| Employer contribution / active EE | $1,300 | $3,382-61.6% | $4,816-73.0% | $2,597-49.9% |
| Participant deferral / active EE | $2,635 | $6,111-56.9% | $7,448-64.6% | $4,028-34.6% |
| Admin fee / account holder | $958 | $6,277-84.7% | $10,009-90.4% | $5,403-82.3% |