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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 | $11,125 | $50,947-78.2% | $74,551-85.1% | $64,173-82.7% |
| Participation rate | 68.9% | 61.1%+7.8pp | 69.1%-0.3pp | 69.6%-0.7pp |
| Annual return | -7.82% | -1.85%-6.0pp | 32.53%-40.4pp | 7.63%-15.5pp |
| Employer contribution / active EE | $968 | $1,115-13.2% | $1,961-50.6% | $2,381-59.3% |
| Participant deferral / active EE | $1,303 | $2,302-43.4% | $3,108-58.1% | $3,470-62.4% |
| Admin fee / account holder | $1,270 | $4,221-69.9% | $5,059-74.9% | $4,887-74.0% |