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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 | $16,906 | $59,105-71.4% | $160,009-89.4% | $66,938-74.7% |
| Participation rate | 40.9% | 68.1%-27.2pp | 78.0%-37.1pp | 69.8%-28.9pp |
| Annual return | -17.97% | -12.26%-5.7pp | 408.85%-426.8pp | 1.58%-19.6pp |
| Employer contribution / active EE | $616 | $1,983-68.9% | $4,225-85.4% | $2,545-75.8% |
| Participant deferral / active EE | $2,816 | $4,395-35.9% | $6,183-54.5% | $4,238-33.6% |
| Admin fee / account holder | $2,162 | $591+266.0% | $8,715-75.2% | $594+264.3% |