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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 | $17,514 | $82,678-78.8% | $125,391-86.0% | $68,490-74.4% |
| Participation rate | 40.9% | 75.1%-34.2pp | 82.4%-41.5pp | 67.9%-27.0pp |
| Annual return | -17.57% | -5.97%-11.6pp | 572.41%-590.0pp | -7.85%-9.7pp |
| Employer contribution / active EE | $1,505 | $3,382-55.5% | $4,816-68.7% | $2,597-42.0% |
| Participant deferral / active EE | $4,226 | $6,111-30.8% | $7,448-43.3% | $4,028+4.9% |
| Admin fee / account holder | $895 | $6,277-85.7% | $10,009-91.1% | $5,403-83.4% |