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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 | $8,014 | $75,959-89.4% | $154,114-94.8% | $64,181-87.5% |
| Participation rate | 32.1% | 70.4%-38.3pp | 83.0%-50.9pp | 69.6%-37.4pp |
| Annual return | -4.32% | 30.32%-34.6pp | 735.16%-739.5pp | 7.63%-11.9pp |
| Employer contribution / active EE | $589 | $3,350-82.4% | $5,298-88.9% | $2,381-75.3% |
| Participant deferral / active EE | $1,386 | $3,175-56.3% | $5,081-72.7% | $3,470-60.1% |
| Admin fee / account holder | $664 | $5,589-88.1% | $13,411-95.1% | $4,887-86.4% |