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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 | $11,550 | $105,867-89.1% | $90,760-87.3% | $134,532-91.4% |
| Participation rate | 40.0% | 78.3%-38.3pp | 75.7%-35.7pp | 81.2%-41.2pp |
| Annual return | -16.09% | -10.99%-5.1pp | -12.16%-3.9pp | 418.27%-434.4pp |
| Employer contribution / active EE | $690 | $3,464-80.1% | $2,922-76.4% | $4,741-85.4% |
| Participant deferral / active EE | $2,477 | $5,217-52.5% | $4,565-45.7% | $6,401-61.3% |
| Admin fee / account holder | $1,301 | $13,936-90.7% | $8,444-84.6% | $11,429-88.6% |