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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 | $13,448 | $77,817-82.7% | $123,553-89.1% | $64,173-79.0% |
| Participation rate | 67.8% | 74.7%-6.9pp | 82.3%-14.5pp | 69.6%-1.8pp |
| Annual return | -7.85% | 12.49%-20.3pp | 119.21%-127.1pp | 7.63%-15.5pp |
| Employer contribution / active EE | $2,305 | $3,014-23.5% | $4,628-50.2% | $2,381-3.2% |
| Participant deferral / active EE | $3,502 | $5,240-33.2% | $6,426-45.5% | $3,470+0.9% |
| Admin fee / account holder | $1,171 | $5,519-78.8% | $9,284-87.4% | $4,887-76.0% |