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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 | $6,902 | $75,962-90.9% | $154,108-95.5% | $64,173-89.2% |
| Participation rate | 60.0% | 70.4%-10.4pp | 83.0%-23.0pp | 69.6%-9.6pp |
| Annual return | -7.92% | 30.32%-38.2pp | 735.21%-743.1pp | 7.63%-15.6pp |
| Employer contribution / active EE | $1,001 | $3,350-70.1% | $5,298-81.1% | $2,381-58.0% |
| Participant deferral / active EE | $2,961 | $3,175-6.7% | $5,081-41.7% | $3,470-14.7% |
| Admin fee / account holder | $1,606 | $5,589-71.3% | $13,411-88.0% | $4,887-67.1% |