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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 | $15,915 | $69,977-77.3% | $108,582-85.3% | $62,881-74.7% |
| Participation rate | 58.5% | 72.9%-14.4pp | 79.6%-21.1pp | 69.3%-10.8pp |
| Annual return | 6.35% | 10.73%-4.4pp | -51.70%+58.0pp | 20.14%-13.8pp |
| Employer contribution / active EE | $3,428 | $2,135+60.5% | $3,758-8.8% | $2,281+50.3% |
| Participant deferral / active EE | $2,299 | $3,165-27.3% | $4,311-46.7% | $3,203-28.2% |
| Admin fee / account holder | $4,999 | $5,076-1.5% | $7,645-34.6% | $4,296+16.4% |