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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 | $6,730 | $45,872-85.3% | $77,100-91.3% | $68,490-90.2% |
| Participation rate | 17.5% | 55.9%-38.4pp | 67.9%-50.4pp | 67.9%-50.4pp |
| Annual return | -16.26% | 1.73%-18.0pp | 42.35%-58.6pp | -7.85%-8.4pp |
| Employer contribution / active EE | $260 | $1,650-84.2% | $2,815-90.8% | $2,597-90.0% |
| Participant deferral / active EE | $850 | $2,963-71.3% | $4,430-80.8% | $4,028-78.9% |
| Admin fee / account holder | $755 | $3,041-75.2% | $5,443-86.1% | $5,403-86.0% |