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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 | $15,804 | $50,947-69.0% | $74,549-78.8% | $64,173-75.4% |
| Participation rate | 63.3% | 61.1%+2.3pp | 69.1%-5.8pp | 69.6%-6.2pp |
| Annual return | -6.89% | -1.85%-5.0pp | 32.53%-39.4pp | 7.63%-14.5pp |
| Employer contribution / active EE | $653 | $1,115-41.5% | $1,961-66.7% | $2,381-72.6% |
| Participant deferral / active EE | $2,091 | $2,302-9.2% | $3,108-32.7% | $3,470-39.7% |
| Admin fee / account holder | $2,698 | $4,221-36.1% | $5,059-46.7% | $4,887-44.8% |