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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 | $3,282 | $32,117-89.8% | $71,086-95.4% | $64,173-94.9% |
| Participation rate | 53.1% | 42.7%+10.4pp | 54.7%-1.5pp | 69.6%-16.4pp |
| Annual return | -4.09% | -5.57%+1.5pp | 650.59%-654.7pp | 7.63%-11.7pp |
| Employer contribution / active EE | $1,116 | $712+56.7% | $1,088+2.6% | $2,381-53.1% |
| Participant deferral / active EE | $855 | $1,263-32.3% | $1,874-54.4% | $3,470-75.4% |
| Admin fee / account holder | $729 | $2,759-73.6% | $3,082-76.4% | $4,887-85.1% |