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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 | $3,658 | $32,037-88.6% | $69,182-94.7% | $62,881-94.2% |
| Participation rate | 27.1% | 43.4%-16.3pp | 55.1%-28.0pp | 69.3%-42.2pp |
| Annual return | 0.00% | 15.16%-15.2pp | -21.93%+21.9pp | 20.14%-20.1pp |
| Employer contribution / active EE | $387 | $679-43.1% | $1,206-67.9% | $2,281-83.0% |
| Participant deferral / active EE | $835 | $1,185-29.6% | $1,897-56.0% | $3,203-73.9% |
| Admin fee / account holder | $373 | $2,608-85.7% | $2,697-86.2% | $4,296-91.3% |