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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 | $9,157 | $81,870-88.8% | $119,622-92.3% | $68,486-86.6% |
| Participation rate | 66.0% | 71.9%-5.9pp | 79.3%-13.3pp | 67.9%-1.9pp |
| Annual return | -16.46% | -23.82%+7.4pp | -14.98%-1.5pp | -7.85%-8.6pp |
| Employer contribution / active EE | $976 | $2,692-63.8% | $4,232-76.9% | $2,597-62.4% |
| Participant deferral / active EE | $2,701 | $4,148-34.9% | $5,601-51.8% | $4,028-32.9% |
| Admin fee / account holder | $2,092 | $6,583-68.2% | $10,328-79.7% | $5,404-61.3% |