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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 | $4,511 | $57,352-92.1% | $83,830-94.6% | $64,173-93.0% |
| Participation rate | 64.9% | 68.6%-3.7pp | 76.1%-11.3pp | 69.6%-4.7pp |
| Annual return | -7.71% | 11.38%-19.1pp | 850.97%-858.7pp | 7.63%-15.3pp |
| Employer contribution / active EE | $592 | $2,546-76.7% | $3,631-83.7% | $2,381-75.1% |
| Participant deferral / active EE | $1,499 | $2,993-49.9% | $4,082-63.3% | $3,470-56.8% |
| Admin fee / account holder | $881 | $4,046-78.2% | $5,479-83.9% | $4,887-82.0% |