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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 | $15,597 | $77,816-80.0% | $123,549-87.4% | $64,181-75.7% |
| Participation rate | 63.2% | 74.7%-11.6pp | 82.3%-19.1pp | 69.6%-6.4pp |
| Annual return | -8.08% | 12.49%-20.6pp | 119.20%-127.3pp | 7.63%-15.7pp |
| Employer contribution / active EE | $982 | $3,014-67.4% | $4,628-78.8% | $2,381-58.8% |
| Participant deferral / active EE | $2,258 | $5,240-56.9% | $6,426-64.9% | $3,470-34.9% |
| Admin fee / account holder | $2,705 | $5,519-51.0% | $9,284-70.9% | $4,887-44.6% |