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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 | $7,918 | $76,912-89.7% | $129,118-93.9% | $68,486-88.4% |
| Participation rate | 45.2% | 69.1%-24.0pp | 77.2%-32.1pp | 67.9%-22.7pp |
| Annual return | 0.00% | -9.78%+9.8pp | -10.94%+10.9pp | -7.85%+7.9pp |
| Employer contribution / active EE | $1,626 | $3,243-49.9% | $5,051-67.8% | $2,597-37.4% |
| Participant deferral / active EE | $2,770 | $4,732-41.5% | $6,539-57.6% | $4,028-31.2% |
| Admin fee / account holder | $1,484 | $6,638-77.6% | $14,305-89.6% | $5,404-72.5% |