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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 | $6,552 | $45,438-85.6% | $80,004-91.8% | $59,633-89.0% |
| Participation rate | 39.5% | 63.7%-24.3pp | 73.0%-33.5pp | 68.7%-29.2pp |
| Annual return | -1.58% | 5.10%-6.7pp | 7.63%-9.2pp | 2041.45%-2043.0pp |
| Employer contribution / active EE | $0 | $1,236-100.0% | $2,473-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $1,049 | $2,231-53.0% | $3,204-67.3% | $3,192-67.1% |
| Admin fee / account holder | $2,094 | $3,464-39.6% | $5,033-58.4% | $4,297-51.3% |