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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 | $12,250 | $56,339-78.3% | $104,301-88.3% | $68,486-82.1% |
| Participation rate | 57.1% | 63.3%-6.1pp | 73.3%-16.1pp | 67.9%-10.8pp |
| Annual return | -18.77% | -9.19%-9.6pp | 24.61%-43.4pp | -7.85%-10.9pp |
| Employer contribution / active EE | $1,070 | $1,960-45.4% | $3,373-68.3% | $2,597-58.8% |
| Participant deferral / active EE | $2,773 | $3,077-9.9% | $4,626-40.1% | $4,028-31.1% |
| Admin fee / account holder | $1,140 | $4,902-76.7% | $7,340-84.5% | $5,404-78.9% |