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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 | $13,635 | $62,586-78.2% | $76,766-82.2% | $64,181-78.8% |
| Participation rate | 68.3% | 72.8%-4.6pp | 77.0%-8.7pp | 69.6%-1.3pp |
| Annual return | -6.56% | -1.95%-4.6pp | 2.43%-9.0pp | 7.63%-14.2pp |
| Employer contribution / active EE | $1,065 | $1,832-41.9% | $2,485-57.2% | $2,381-55.3% |
| Participant deferral / active EE | $2,511 | $3,145-20.2% | $3,851-34.8% | $3,470-27.6% |
| Admin fee / account holder | $738 | $4,667-84.2% | $6,675-88.9% | $4,887-84.9% |