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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 | $12,859 | $53,596-76.0% | $90,657-85.8% | $64,173-80.0% |
| Participation rate | 67.4% | 64.5%+2.9pp | 74.0%-6.6pp | 69.6%-2.1pp |
| Annual return | -6.36% | 4.41%-10.8pp | 1.89%-8.2pp | 7.63%-14.0pp |
| Employer contribution / active EE | $949 | $1,503-36.8% | $2,532-62.5% | $2,381-60.1% |
| Participant deferral / active EE | $3,925 | $2,459+59.6% | $3,424+14.6% | $3,470+13.1% |
| Admin fee / account holder | $1,826 | $3,868-52.8% | $4,994-63.4% | $4,887-62.6% |