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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 | $6,451 | $72,388-91.1% | $111,392-94.2% | $64,173-89.9% |
| Participation rate | 61.9% | 70.5%-8.6pp | 78.9%-17.0pp | 69.6%-7.7pp |
| Annual return | -3.55% | -1.50%-2.0pp | -2.06%-1.5pp | 7.63%-11.2pp |
| Employer contribution / active EE | $2,114 | $3,000-29.5% | $4,328-51.2% | $2,381-11.2% |
| Participant deferral / active EE | $3,635 | $4,241-14.3% | $5,567-34.7% | $3,470+4.8% |
| Admin fee / account holder | $3,696 | $5,719-35.4% | $12,266-69.9% | $4,887-24.4% |