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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 | $12,660 | $62,583-79.8% | $76,767-83.5% | $64,173-80.3% |
| Participation rate | 61.2% | 72.8%-11.6pp | 77.0%-15.7pp | 69.6%-8.3pp |
| Annual return | -5.65% | -1.95%-3.7pp | 2.43%-8.1pp | 7.63%-13.3pp |
| Employer contribution / active EE | $1,071 | $1,832-41.5% | $2,485-56.9% | $2,381-55.0% |
| Participant deferral / active EE | $2,167 | $3,145-31.1% | $3,852-43.7% | $3,470-37.6% |
| Admin fee / account holder | $354 | $4,667-92.4% | $6,675-94.7% | $4,887-92.8% |