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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 | $13,016 | $71,878-81.9% | $86,698-85.0% | $68,486-81.0% |
| Participation rate | 46.2% | 72.2%-26.1pp | 76.6%-30.4pp | 67.9%-21.7pp |
| Annual return | -18.72% | 3.53%-22.3pp | 35.95%-54.7pp | -7.85%-10.9pp |
| Employer contribution / active EE | $1,838 | $2,173-15.4% | $2,837-35.2% | $2,597-29.2% |
| Participant deferral / active EE | $3,768 | $3,779-0.3% | $4,656-19.1% | $4,028-6.5% |
| Admin fee / account holder | $2,460 | $6,113-59.8% | $7,493-67.2% | $5,404-54.5% |