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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 | $11,131 | $71,878-84.5% | $86,698-87.2% | $68,486-83.7% |
| Participation rate | 68.0% | 72.2%-4.2pp | 76.6%-8.6pp | 67.9%+0.1pp |
| Annual return | -13.20% | 3.53%-16.7pp | 35.95%-49.1pp | -7.85%-5.3pp |
| Employer contribution / active EE | $640 | $2,173-70.6% | $2,837-77.4% | $2,597-75.4% |
| Participant deferral / active EE | $3,157 | $3,779-16.5% | $4,656-32.2% | $4,028-21.6% |
| Admin fee / account holder | $1,249 | $6,113-79.6% | $7,493-83.3% | $5,404-76.9% |