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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 | $9,023 | $64,719-86.1% | $112,249-92.0% | $68,486-86.8% |
| Participation rate | 29.6% | 67.2%-37.6pp | 75.1%-45.5pp | 67.9%-38.3pp |
| Annual return | 0.00% | -11.40%+11.4pp | 27.48%-27.5pp | -7.85%+7.9pp |
| Employer contribution / active EE | $1,148 | $2,747-58.2% | $3,636-68.4% | $2,597-55.8% |
| Participant deferral / active EE | $2,044 | $3,565-42.7% | $4,729-56.8% | $4,028-49.2% |
| Admin fee / account holder | $587 | $5,232-88.8% | $6,412-90.8% | $5,404-89.1% |