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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 | $9,606 | $54,162-82.3% | $68,612-86.0% | $64,173-85.0% |
| Participation rate | 63.6% | 68.1%-4.4pp | 72.2%-8.6pp | 69.6%-5.9pp |
| Annual return | -7.42% | -1.62%-5.8pp | -4.63%-2.8pp | 7.63%-15.1pp |
| Employer contribution / active EE | $806 | $1,846-56.3% | $2,625-69.3% | $2,381-66.1% |
| Participant deferral / active EE | $1,412 | $2,626-46.2% | $3,311-57.3% | $3,470-59.3% |
| Admin fee / account holder | $598 | $4,029-85.2% | $5,131-88.3% | $4,887-87.8% |