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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 | $12,039 | $65,125-81.5% | $143,797-91.6% | $66,949-82.0% |
| Participation rate | 66.0% | 65.2%+0.8pp | 80.3%-14.3pp | 69.8%-3.8pp |
| Annual return | -16.31% | -11.13%-5.2pp | -0.04%-16.3pp | 1.57%-17.9pp |
| Employer contribution / active EE | $1,287 | $2,362-45.5% | $4,952-74.0% | $2,545-49.4% |
| Participant deferral / active EE | $2,069 | $2,920-29.2% | $5,638-63.3% | $4,239-51.2% |
| Admin fee / account holder | $525 | $503+4.4% | $14,679-96.4% | $594-11.6% |