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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 | $14,239 | $52,678-73.0% | $75,784-81.2% | $59,633-76.1% |
| Participation rate | 46.2% | 67.2%-21.1pp | 75.8%-29.7pp | 68.7%-22.5pp |
| Annual return | -0.33% | 2.95%-3.3pp | 9.68%-10.0pp | 2041.45%-2041.8pp |
| Employer contribution / active EE | $450 | $2,193-79.5% | $3,323-86.5% | $2,203-79.6% |
| Participant deferral / active EE | $1,292 | $2,591-50.1% | $3,652-64.6% | $3,192-59.5% |
| Admin fee / account holder | $4,603 | $3,610+27.5% | $5,300-13.1% | $4,297+7.1% |