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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 | $8,579 | $42,383-79.8% | $76,518-88.8% | $64,173-86.6% |
| Participation rate | 60.0% | 58.1%+1.9pp | 68.0%-8.0pp | 69.6%-9.6pp |
| Annual return | -7.12% | -16.54%+9.4pp | -0.27%-6.9pp | 7.63%-14.8pp |
| Employer contribution / active EE | $681 | $1,563-56.5% | $2,647-74.3% | $2,381-71.4% |
| Participant deferral / active EE | $2,360 | $2,566-8.1% | $3,836-38.5% | $3,470-32.0% |
| Admin fee / account holder | $560 | $3,198-82.5% | $4,849-88.5% | $4,887-88.6% |