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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 | $12,676 | $39,162-67.6% | $100,671-87.4% | $59,633-78.7% |
| Participation rate | 56.1% | 55.9%+0.3pp | 70.7%-14.6pp | 68.7%-12.5pp |
| Annual return | -2.26% | 21.07%-23.3pp | 20.43%-22.7pp | 2041.40%-2043.7pp |
| Employer contribution / active EE | $978 | $1,151-15.0% | $4,012-75.6% | $2,203-55.6% |
| Participant deferral / active EE | $2,144 | $1,992+7.6% | $3,144-31.8% | $3,192-32.8% |
| Admin fee / account holder | $710 | $2,969-76.1% | $4,850-85.4% | $4,297-83.5% |