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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 | $13,434 | $62,583-78.5% | $76,767-82.5% | $64,173-79.1% |
| Participation rate | 63.8% | 72.8%-9.0pp | 77.0%-13.1pp | 69.6%-5.7pp |
| Annual return | -5.20% | -1.95%-3.3pp | 2.43%-7.6pp | 7.63%-12.8pp |
| Employer contribution / active EE | $1,228 | $1,832-33.0% | $2,485-50.6% | $2,381-48.4% |
| Participant deferral / active EE | $1,605 | $3,145-49.0% | $3,852-58.3% | $3,470-53.7% |
| Admin fee / account holder | $2,032 | $4,667-56.5% | $6,675-69.6% | $4,887-58.4% |