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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 | $9,463 | $110,083-91.4% | $151,645-93.8% | $68,490-86.2% |
| Participation rate | 29.5% | 84.0%-54.4pp | 87.5%-57.9pp | 67.9%-38.4pp |
| Annual return | -5.95% | -10.12%+4.2pp | 3.34%-9.3pp | -7.85%+1.9pp |
| Employer contribution / active EE | $2,922 | $4,470-34.6% | $6,165-52.6% | $2,597+12.5% |
| Participant deferral / active EE | $4,713 | $6,526-27.8% | $8,363-43.6% | $4,028+17.0% |
| Admin fee / account holder | $4,778 | $7,718-38.1% | $11,614-58.9% | $5,403-11.6% |