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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 | $25,535 | $69,977-63.5% | $108,582-76.5% | $62,881-59.4% |
| Participation rate | 50.0% | 72.9%-22.9pp | 79.6%-29.6pp | 69.3%-19.3pp |
| Annual return | 11.21% | 10.73%+0.5pp | -51.70%+62.9pp | 20.14%-8.9pp |
| Employer contribution / active EE | $1,007 | $2,135-52.8% | $3,758-73.2% | $2,281-55.8% |
| Participant deferral / active EE | $2,302 | $3,165-27.2% | $4,311-46.6% | $3,203-28.1% |
| Admin fee / account holder | $731 | $5,076-85.6% | $7,645-90.4% | $4,296-83.0% |