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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 | $15,314 | $84,493-81.9% | $125,381-87.8% | $66,938-77.1% |
| Participation rate | 59.4% | 76.4%-17.0pp | 82.4%-22.9pp | 69.8%-10.4pp |
| Annual return | -15.25% | -8.49%-6.8pp | 572.31%-587.6pp | 1.58%-16.8pp |
| Employer contribution / active EE | $1,097 | $3,554-69.1% | $4,815-77.2% | $2,545-56.9% |
| Participant deferral / active EE | $4,237 | $6,783-37.5% | $7,448-43.1% | $4,2380% |
| Admin fee / account holder | $1,632 | $685+138.3% | $10,007-83.7% | $594+175.0% |