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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 | $16,372 | $59,813-72.6% | $79,580-79.4% | $68,486-76.1% |
| Participation rate | 46.7% | 61.1%-14.4pp | 69.5%-22.8pp | 67.9%-21.2pp |
| Annual return | -14.65% | -12.30%-2.4pp | 0.15%-14.8pp | -7.85%-6.8pp |
| Employer contribution / active EE | $1,106 | $1,505-26.5% | $2,413-54.2% | $2,597-57.4% |
| Participant deferral / active EE | $1,370 | $3,024-54.7% | $3,985-65.6% | $4,028-66.0% |
| Admin fee / account holder | $4,895 | $4,835+1.3% | $6,835-28.4% | $5,404-9.4% |