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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 | $3,219 | $42,383-92.4% | $76,518-95.8% | $64,173-95.0% |
| Participation rate | 24.4% | 58.1%-33.8pp | 68.0%-43.6pp | 69.6%-45.2pp |
| Annual return | 0.00% | -16.54%+16.5pp | -0.27%+0.3pp | 7.63%-7.6pp |
| Employer contribution / active EE | $0 | $1,563-100.0% | $2,647-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $2,251 | $2,566-12.3% | $3,836-41.3% | $3,470-35.1% |
| Admin fee / account holder | $1,110 | $3,198-65.3% | $4,849-77.1% | $4,887-77.3% |