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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 | $10,939 | $44,850-75.6% | $60,547-81.9% | $59,633-81.7% |
| Participation rate | 51.8% | 59.5%-7.7pp | 68.0%-16.2pp | 68.7%-16.9pp |
| Annual return | -1.99% | 1074.14%-1076.1pp | 335.64%-337.6pp | 2041.45%-2043.4pp |
| Employer contribution / active EE | $312 | $1,462-78.7% | $2,419-87.1% | $2,203-85.8% |
| Participant deferral / active EE | $1,076 | $2,230-51.8% | $3,328-67.7% | $3,192-66.3% |
| Admin fee / account holder | $1,302 | $3,635-64.2% | $4,536-71.3% | $4,297-69.7% |