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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 | $16,700 | $71,873-76.8% | $86,698-80.7% | $68,490-75.6% |
| Participation rate | 62.2% | 72.2%-10.1pp | 76.6%-14.4pp | 67.9%-5.7pp |
| Annual return | -18.56% | 3.54%-22.1pp | 35.96%-54.5pp | -7.85%-10.7pp |
| Employer contribution / active EE | $2,773 | $2,173+27.6% | $2,837-2.3% | $2,597+6.8% |
| Participant deferral / active EE | $5,242 | $3,779+38.7% | $4,656+12.6% | $4,028+30.1% |
| Admin fee / account holder | $1,636 | $6,110-73.2% | $7,492-78.2% | $5,403-69.7% |