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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 | $16,374 | $62,715-73.9% | $104,301-84.3% | $66,930-75.5% |
| Participation rate | 21.3% | 59.6%-38.3pp | 73.3%-52.0pp | 69.8%-48.6pp |
| Annual return | -5.73% | -14.70%+9.0pp | 24.61%-30.3pp | 1.57%-7.3pp |
| Employer contribution / active EE | $742 | $1,976-62.5% | $3,373-78.0% | $2,545-70.9% |
| Participant deferral / active EE | $1,428 | $2,852-49.9% | $4,626-69.1% | $4,238-66.3% |
| Admin fee / account holder | $2,411 | $657+267.1% | $7,340-67.2% | $593+306.3% |