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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 | $12,447 | $57,350-78.3% | $83,850-85.2% | $64,181-80.6% |
| Participation rate | 63.0% | 68.6%-5.6pp | 76.1%-13.1pp | 69.6%-6.5pp |
| Annual return | -7.94% | 11.38%-19.3pp | 850.92%-858.9pp | 7.63%-15.6pp |
| Employer contribution / active EE | $1,295 | $2,545-49.1% | $3,631-64.3% | $2,381-45.6% |
| Participant deferral / active EE | $2,226 | $2,993-25.6% | $4,082-45.5% | $3,470-35.8% |
| Admin fee / account holder | $4,134 | $4,046+2.2% | $5,478-24.5% | $4,887-15.4% |