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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 | $6,337 | $28,109-77.5% | $71,089-91.1% | $56,289-88.7% |
| Participation rate | 66.7% | 40.4%+26.3pp | 54.6%+12.0pp | 69.9%-3.2pp |
| Annual return | -7.65% | -615.05%+607.4pp | 650.65%-658.3pp | -9.96%+2.3pp |
| Employer contribution / active EE | $532 | $558-4.5% | $1,088-51.0% | $2,111-74.8% |
| Participant deferral / active EE | $931 | $1,116-16.6% | $1,873-50.3% | $3,350-72.2% |
| Admin fee / account holder | $536 | $585-8.4% | $3,082-82.6% | $521+2.8% |