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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 | $19,806 | $60,165-67.1% | $74,184-73.3% | $55,167-64.1% |
| Participation rate | 52.8% | 74.2%-21.3pp | 76.6%-23.8pp | 69.0%-16.1pp |
| Annual return | 5.78% | 10.00%-4.2pp | 17.74%-12.0pp | 169.23%-163.4pp |
| Employer contribution / active EE | $1,423 | $1,600-11.0% | $2,370-39.9% | $1,963-27.5% |
| Participant deferral / active EE | $3,581 | $2,973+20.5% | $3,550+0.9% | $3,054+17.2% |
| Admin fee / account holder | $2,863 | $419+582.8% | $5,586-48.7% | $504+468.2% |