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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 | $23,006 | $71,872-68.0% | $86,691-73.5% | $68,495-66.4% |
| Participation rate | 60.9% | 72.2%-11.4pp | 76.6%-15.7pp | 67.9%-7.0pp |
| Annual return | 0.00% | 3.53%-3.5pp | 35.94%-35.9pp | -7.84%+7.8pp |
| Employer contribution / active EE | $1,921 | $2,173-11.6% | $2,837-32.3% | $2,596-26.0% |
| Participant deferral / active EE | $3,350 | $3,779-11.3% | $4,656-28.0% | $4,028-16.8% |
| Admin fee / account holder | $441 | $6,112-92.8% | $7,492-94.1% | $5,403-91.8% |