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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 | $11,146 | $82,674-86.5% | $125,381-91.1% | $68,486-83.7% |
| Participation rate | 60.0% | 75.1%-15.1pp | 82.4%-22.4pp | 67.9%-7.9pp |
| Annual return | -13.84% | -5.97%-7.9pp | 572.31%-586.1pp | -7.85%-6.0pp |
| Employer contribution / active EE | $1,292 | $3,382-61.8% | $4,815-73.2% | $2,597-50.2% |
| Participant deferral / active EE | $4,017 | $6,111-34.3% | $7,448-46.1% | $4,028-0.3% |
| Admin fee / account holder | $1,040 | $6,277-83.4% | $10,007-89.6% | $5,404-80.8% |