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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 | $19,214 | $61,660-68.8% | $80,022-76.0% | $64,173-70.1% |
| Participation rate | 62.5% | 71.7%-9.2pp | 75.8%-13.3pp | 69.6%-7.1pp |
| Annual return | -7.40% | -0.33%-7.1pp | 11.22%-18.6pp | 7.63%-15.0pp |
| Employer contribution / active EE | $1,683 | $1,810-7.0% | $2,468-31.8% | $2,381-29.3% |
| Participant deferral / active EE | $3,278 | $2,968+10.5% | $3,686-11.1% | $3,470-5.5% |
| Admin fee / account holder | $901 | $5,417-83.4% | $6,521-86.2% | $4,887-81.6% |