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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 | $11,457 | $110,083-89.6% | $151,639-92.4% | $68,486-83.3% |
| Participation rate | 63.2% | 84.0%-20.7pp | 87.5%-24.3pp | 67.9%-4.7pp |
| Annual return | -14.31% | -10.12%-4.2pp | 3.34%-17.7pp | -7.85%-6.5pp |
| Employer contribution / active EE | $0 | $4,470-100.0% | $6,165-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $3,134 | $6,526-52.0% | $8,363-62.5% | $4,028-22.2% |
| Admin fee / account holder | $1,547 | $7,718-80.0% | $11,613-86.7% | $5,404-71.4% |