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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 | $21,083 | $71,873-70.7% | $86,698-75.7% | $68,490-69.2% |
| Participation rate | 48.6% | 72.2%-23.7pp | 76.6%-28.0pp | 67.9%-19.3pp |
| Annual return | -18.10% | 3.54%-21.6pp | 35.96%-54.1pp | -7.85%-10.2pp |
| Employer contribution / active EE | $973 | $2,173-55.2% | $2,837-65.7% | $2,597-62.5% |
| Participant deferral / active EE | $1,763 | $3,779-53.4% | $4,656-62.1% | $4,028-56.2% |
| Admin fee / account holder | $2,915 | $6,110-52.3% | $7,492-61.1% | $5,403-46.0% |