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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 | $16,876 | $64,716-73.9% | $112,258-85.0% | $68,495-75.4% |
| Participation rate | 32.8% | 67.2%-34.3pp | 75.1%-42.2pp | 67.9%-35.1pp |
| Annual return | -19.32% | -11.40%-7.9pp | 27.47%-46.8pp | -7.84%-11.5pp |
| Employer contribution / active EE | $1,229 | $2,746-55.2% | $3,636-66.2% | $2,596-52.7% |
| Participant deferral / active EE | $1,561 | $3,565-56.2% | $4,728-67.0% | $4,028-61.2% |
| Admin fee / account holder | $1,433 | $5,232-72.6% | $6,411-77.6% | $5,403-73.5% |