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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 | $12,301 | $127,387-90.3% | $115,038-89.3% | $125,389-90.2% |
| Participation rate | 47.8% | 84.2%-36.3pp | 81.4%-33.5pp | 83.2%-35.4pp |
| Annual return | -0.78% | 31.28%-32.1pp | 26.14%-26.9pp | 282.24%-283.0pp |
| Employer contribution / active EE | $1,877 | $5,166-63.7% | $4,608-59.3% | $4,866-61.4% |
| Participant deferral / active EE | $2,978 | $6,423-53.6% | $6,026-50.6% | $5,352-44.3% |
| Admin fee / account holder | $870 | $9,516-90.9% | $8,175-89.4% | $9,541-90.9% |