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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 | $7,166 | $45,872-84.4% | $77,100-90.7% | $68,490-89.5% |
| Participation rate | 34.2% | 55.9%-21.7pp | 67.9%-33.7pp | 67.9%-33.7pp |
| Annual return | -1.00% | 1.73%-2.7pp | 42.35%-43.4pp | -7.85%+6.9pp |
| Employer contribution / active EE | $529 | $1,650-67.9% | $2,815-81.2% | $2,597-79.6% |
| Participant deferral / active EE | $872 | $2,963-70.6% | $4,430-80.3% | $4,028-78.3% |
| Admin fee / account holder | $451 | $3,041-85.2% | $5,443-91.7% | $5,403-91.7% |