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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 | $6,046 | $43,344-86.1% | $59,899-89.9% | $64,173-90.6% |
| Participation rate | 37.2% | 69.2%-31.9pp | 74.7%-37.5pp | 69.6%-32.4pp |
| Annual return | -5.90% | -1.55%-4.3pp | 3.46%-9.4pp | 7.63%-13.5pp |
| Employer contribution / active EE | $383 | $2,030-81.1% | $2,723-85.9% | $2,381-83.9% |
| Participant deferral / active EE | $950 | $2,547-62.7% | $3,402-72.1% | $3,470-72.6% |
| Admin fee / account holder | $424 | $3,008-85.9% | $3,592-88.2% | $4,887-91.3% |