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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 | $17,692 | $73,009-75.8% | $90,760-80.5% | $68,486-74.2% |
| Participation rate | 43.1% | 70.8%-27.7pp | 75.7%-32.6pp | 67.9%-24.8pp |
| Annual return | -17.02% | -13.81%-3.2pp | -12.16%-4.9pp | -7.85%-9.2pp |
| Employer contribution / active EE | $1,228 | $2,193-44.0% | $2,922-58.0% | $2,597-52.7% |
| Participant deferral / active EE | $2,095 | $3,626-42.2% | $4,565-54.1% | $4,028-48.0% |
| Admin fee / account holder | $439 | $5,896-92.6% | $8,444-94.8% | $5,404-91.9% |