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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 | $12,819 | $127,387-89.9% | $115,038-88.9% | $125,389-89.8% |
| Participation rate | 28.6% | 84.2%-55.6pp | 81.4%-52.8pp | 83.2%-54.6pp |
| Annual return | -3.31% | 31.28%-34.6pp | 26.14%-29.5pp | 282.24%-285.6pp |
| Employer contribution / active EE | $1,095 | $5,166-78.8% | $4,608-76.2% | $4,866-77.5% |
| Participant deferral / active EE | $2,063 | $6,423-67.9% | $6,026-65.8% | $5,352-61.4% |
| Admin fee / account holder | $3,295 | $9,516-65.4% | $8,175-59.7% | $9,541-65.5% |