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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 | $11,642 | $52,678-77.9% | $75,784-84.6% | $59,633-80.5% |
| Participation rate | 46.0% | 67.2%-21.2pp | 75.8%-29.8pp | 68.7%-22.7pp |
| Annual return | -0.81% | 2.95%-3.8pp | 9.68%-10.5pp | 2041.45%-2042.3pp |
| Employer contribution / active EE | $369 | $2,193-83.2% | $3,323-88.9% | $2,203-83.2% |
| Participant deferral / active EE | $1,210 | $2,591-53.3% | $3,652-66.9% | $3,192-62.1% |
| Admin fee / account holder | $1,208 | $3,610-66.5% | $5,300-77.2% | $4,297-71.9% |