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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 | $5,751 | $93,117-93.8% | $77,096-92.5% | $134,532-95.7% |
| Participation rate | 50.0% | 74.5%-24.5pp | 67.9%-17.9pp | 81.2%-31.2pp |
| Annual return | -18.93% | 62.67%-81.6pp | 42.35%-61.3pp | 418.27%-437.2pp |
| Employer contribution / active EE | $1,041 | $3,420-69.6% | $2,814-63.0% | $4,741-78.0% |
| Participant deferral / active EE | $1,994 | $5,241-61.9% | $4,429-55.0% | $6,401-68.8% |
| Admin fee / account holder | $5,274 | $6,948-24.1% | $5,428-2.8% | $11,429-53.9% |