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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 | $12,773 | $81,870-84.4% | $119,634-89.3% | $68,490-81.4% |
| Participation rate | 64.7% | 71.9%-7.2pp | 79.3%-14.6pp | 67.9%-3.2pp |
| Annual return | -16.76% | -23.82%+7.1pp | -14.98%-1.8pp | -7.85%-8.9pp |
| Employer contribution / active EE | $1,881 | $2,692-30.1% | $4,232-55.6% | $2,597-27.6% |
| Participant deferral / active EE | $2,711 | $4,148-34.6% | $5,601-51.6% | $4,028-32.7% |
| Admin fee / account holder | $957 | $6,583-85.5% | $10,329-90.7% | $5,403-82.3% |