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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 | $15,753 | $110,083-85.7% | $151,639-89.6% | $68,486-77.0% |
| Participation rate | 55.0% | 84.0%-29.0pp | 87.5%-32.5pp | 67.9%-12.9pp |
| Annual return | -8.56% | -10.12%+1.6pp | 3.34%-11.9pp | -7.85%-0.7pp |
| Employer contribution / active EE | $1,402 | $4,470-68.6% | $6,165-77.3% | $2,597-46.0% |
| Participant deferral / active EE | $4,192 | $6,526-35.8% | $8,363-49.9% | $4,028+4.1% |
| Admin fee / account holder | $1,496 | $7,718-80.6% | $11,613-87.1% | $5,404-72.3% |