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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 | $12,176 | $54,726-77.8% | $68,793-82.3% | $64,181-81.0% |
| Participation rate | 61.6% | 68.0%-6.4pp | 72.2%-10.6pp | 69.6%-7.9pp |
| Annual return | -4.52% | -1.62%-2.9pp | -4.63%+0.1pp | 7.63%-12.2pp |
| Employer contribution / active EE | $700 | $1,846-62.1% | $2,625-73.3% | $2,381-70.6% |
| Participant deferral / active EE | $1,395 | $2,626-46.9% | $3,311-57.9% | $3,470-59.8% |
| Admin fee / account holder | $2,038 | $4,027-49.4% | $5,131-60.3% | $4,887-58.3% |