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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 | $23,033 | $79,523-71.0% | $140,019-83.5% | $56,287-59.1% |
| Participation rate | 53.0% | 85.7%-32.7pp | 87.5%-34.5pp | 69.9%-16.8pp |
| Annual return | -6.25% | 2.39%-8.6pp | 651.15%-657.4pp | -9.96%+3.7pp |
| Employer contribution / active EE | $0 | $3,350-100.0% | $5,605-100.0% | $2,111-100.0% |
| Participant deferral / active EE | $6,902 | $5,129+34.6% | $6,927-0.4% | $3,350+106.0% |
| Admin fee / account holder | $5,770 | $614+839.2% | $10,705-46.1% | $521+1007.5% |