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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 | $14,939 | $64,716-76.9% | $112,258-86.7% | $68,495-78.2% |
| Participation rate | 36.8% | 67.2%-30.3pp | 75.1%-38.2pp | 67.9%-31.0pp |
| Annual return | -16.41% | -11.40%-5.0pp | 27.47%-43.9pp | -7.84%-8.6pp |
| Employer contribution / active EE | $811 | $2,746-70.5% | $3,636-77.7% | $2,596-68.8% |
| Participant deferral / active EE | $2,476 | $3,565-30.6% | $4,728-47.6% | $4,028-38.5% |
| Admin fee / account holder | $2,188 | $5,232-58.2% | $6,411-65.9% | $5,403-59.5% |