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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 | $13,438 | $64,716-79.2% | $112,258-88.0% | $68,495-80.4% |
| Participation rate | 37.5% | 67.2%-29.7pp | 75.1%-37.6pp | 67.9%-30.4pp |
| Annual return | 7.18% | -11.40%+18.6pp | 27.47%-20.3pp | -7.84%+15.0pp |
| Employer contribution / active EE | $1,202 | $2,746-56.2% | $3,636-66.9% | $2,596-53.7% |
| Participant deferral / active EE | $2,743 | $3,565-23.1% | $4,728-42.0% | $4,028-31.9% |
| Admin fee / account holder | $614 | $5,232-88.3% | $6,411-90.4% | $5,403-88.6% |