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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 | $10,070 | $82,678-87.8% | $125,391-92.0% | $68,490-85.3% |
| Participation rate | 44.0% | 75.1%-31.1pp | 82.4%-38.4pp | 67.9%-23.9pp |
| Annual return | -18.59% | -5.97%-12.6pp | 572.41%-591.0pp | -7.85%-10.7pp |
| Employer contribution / active EE | $0 | $3,382-100.0% | $4,816-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $3,634 | $6,111-40.5% | $7,448-51.2% | $4,028-9.8% |
| Admin fee / account holder | $1,414 | $6,277-77.5% | $10,009-85.9% | $5,403-73.8% |