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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 | $8,552 | $73,863-88.4% | $143,797-94.1% | $68,490-87.5% |
| Participation rate | 61.8% | 66.7%-4.9pp | 80.3%-18.6pp | 67.9%-6.1pp |
| Annual return | -18.98% | 0.91%-19.9pp | -0.04%-18.9pp | -7.85%-11.1pp |
| Employer contribution / active EE | $1,257 | $3,185-60.5% | $4,952-74.6% | $2,597-51.6% |
| Participant deferral / active EE | $2,059 | $3,385-39.2% | $5,638-63.5% | $4,028-48.9% |
| Admin fee / account holder | $830 | $5,756-85.6% | $14,679-94.3% | $5,403-84.6% |