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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 | $7,731 | $49,280-84.3% | $67,313-88.5% | $64,173-88.0% |
| Participation rate | 65.5% | 60.8%+4.7pp | 69.1%-3.6pp | 69.6%-4.1pp |
| Annual return | -7.54% | -1.39%-6.1pp | -4.08%-3.5pp | 7.63%-15.2pp |
| Employer contribution / active EE | $700 | $1,668-58.1% | $2,566-72.7% | $2,381-70.6% |
| Participant deferral / active EE | $1,212 | $2,484-51.2% | $3,568-66.0% | $3,470-65.1% |
| Admin fee / account holder | $487 | $3,863-87.4% | $4,507-89.2% | $4,887-90.0% |