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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 | $19,197 | $71,878-73.3% | $86,698-77.9% | $68,486-72.0% |
| Participation rate | 68.7% | 72.2%-3.6pp | 76.6%-7.9pp | 67.9%+0.8pp |
| Annual return | -17.50% | 3.53%-21.0pp | 35.95%-53.5pp | -7.85%-9.6pp |
| Employer contribution / active EE | $1,463 | $2,173-32.7% | $2,837-48.4% | $2,597-43.7% |
| Participant deferral / active EE | $2,420 | $3,779-36.0% | $4,656-48.0% | $4,028-39.9% |
| Admin fee / account holder | $2,449 | $6,113-59.9% | $7,493-67.3% | $5,404-54.7% |