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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 | $16,419 | $50,947-67.8% | $74,549-78.0% | $64,173-74.4% |
| Participation rate | 65.1% | 61.1%+4.1pp | 69.1%-4.0pp | 69.6%-4.5pp |
| Annual return | -1.42% | -1.85%+0.4pp | 32.53%-34.0pp | 7.63%-9.1pp |
| Employer contribution / active EE | $872 | $1,115-21.8% | $1,961-55.5% | $2,381-63.4% |
| Participant deferral / active EE | $2,630 | $2,302+14.3% | $3,108-15.4% | $3,470-24.2% |
| Admin fee / account holder | $13,726 | $4,221+225.2% | $5,059+171.3% | $4,887+180.9% |