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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 | $10,640 | $99,032-89.3% | $80,022-86.7% | $135,379-92.1% |
| Participation rate | 17.6% | 78.4%-60.7pp | 75.8%-58.2pp | 82.6%-65.0pp |
| Annual return | -5.79% | 15.39%-21.2pp | 11.22%-17.0pp | 519.79%-525.6pp |
| Employer contribution / active EE | $0 | $3,043-100.0% | $2,468-100.0% | $4,779-100.0% |
| Participant deferral / active EE | $1,921 | $4,282-55.1% | $3,686-47.9% | $5,609-65.7% |
| Admin fee / account holder | $1,224 | $10,436-88.3% | $6,521-81.2% | $10,828-88.7% |