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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 | $5,638 | $52,911-89.3% | $73,309-92.3% | $59,633-90.5% |
| Participation rate | 48.6% | 68.2%-19.6pp | 74.9%-26.3pp | 68.7%-20.0pp |
| Annual return | -0.69% | 12.20%-12.9pp | 5.67%-6.4pp | 2041.45%-2042.1pp |
| Employer contribution / active EE | $0 | $1,909-100.0% | $3,237-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $2,983 | $4,069-26.7% | $4,991-40.2% | $3,192-6.6% |
| Admin fee / account holder | $2,252 | $3,835-41.3% | $5,635-60.0% | $4,297-47.6% |