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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 | $14,646 | $79,633-81.6% | $93,759-84.4% | $68,495-78.6% |
| Participation rate | 25.8% | 75.4%-49.6pp | 81.0%-55.2pp | 67.9%-42.1pp |
| Annual return | 0.79% | -0.10%+0.9pp | -11.33%+12.1pp | -7.84%+8.6pp |
| Employer contribution / active EE | $1,237 | $3,665-66.3% | $4,324-71.4% | $2,596-52.4% |
| Participant deferral / active EE | $2,050 | $5,158-60.3% | $6,096-66.4% | $4,028-49.1% |
| Admin fee / account holder | $2,749 | $6,871-60.0% | $7,197-61.8% | $5,403-49.1% |