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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 | $12,942 | $56,339-77.0% | $104,301-87.6% | $68,486-81.1% |
| Participation rate | 65.0% | 63.3%+1.7pp | 73.3%-8.3pp | 67.9%-2.9pp |
| Annual return | -17.53% | -9.19%-8.3pp | 24.61%-42.1pp | -7.85%-9.7pp |
| Employer contribution / active EE | $1,550 | $1,960-20.9% | $3,373-54.1% | $2,597-40.3% |
| Participant deferral / active EE | $2,887 | $3,077-6.2% | $4,626-37.6% | $4,028-28.3% |
| Admin fee / account holder | $2,975 | $4,902-39.3% | $7,340-59.5% | $5,404-44.9% |