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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 | $17,113 | $62,586-72.7% | $76,766-77.7% | $64,181-73.3% |
| Participation rate | 65.2% | 72.8%-7.6pp | 77.0%-11.7pp | 69.6%-4.4pp |
| Annual return | -6.15% | -1.95%-4.2pp | 2.43%-8.6pp | 7.63%-13.8pp |
| Employer contribution / active EE | $0 | $1,832-100.0% | $2,485-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $2,348 | $3,145-25.3% | $3,851-39.0% | $3,470-32.3% |
| Admin fee / account holder | $526 | $4,667-88.7% | $6,675-92.1% | $4,887-89.2% |