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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 | $15,310 | $65,041-76.5% | $90,965-83.2% | $79,858-80.8% |
| Participation rate | 45.1% | 61.6%-16.6pp | 69.0%-24.0pp | 69.6%-24.6pp |
| Annual return | 0.00% | 30.45%-30.5pp | 134.57%-134.6pp | 31.72%-31.7pp |
| Employer contribution / active EE | $1,547 | $1,247+24.1% | $2,122-27.1% | $2,471-37.4% |
| Participant deferral / active EE | $2,037 | $2,512-18.9% | $3,373-39.6% | $3,740-45.5% |
| Admin fee / account holder | $396 | $4,536-91.3% | $5,960-93.4% | $5,306-92.5% |