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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 | $15,037 | $62,586-76.0% | $76,766-80.4% | $64,181-76.6% |
| Participation rate | 64.0% | 72.8%-8.8pp | 77.0%-13.0pp | 69.6%-5.6pp |
| Annual return | -6.30% | -1.95%-4.3pp | 2.43%-8.7pp | 7.63%-13.9pp |
| Employer contribution / active EE | $1,086 | $1,832-40.7% | $2,485-56.3% | $2,381-54.4% |
| Participant deferral / active EE | $2,687 | $3,145-14.6% | $3,851-30.2% | $3,470-22.6% |
| Admin fee / account holder | $5,314 | $4,667+13.9% | $6,675-20.4% | $4,887+8.7% |