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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 | $11,623 | $82,674-85.9% | $125,363-90.7% | $68,495-83.0% |
| Participation rate | 42.9% | 75.0%-32.2pp | 82.4%-39.5pp | 67.9%-25.0pp |
| Annual return | -17.68% | -5.97%-11.7pp | 572.15%-589.8pp | -7.84%-9.8pp |
| Employer contribution / active EE | $1,287 | $3,382-61.9% | $4,815-73.3% | $2,596-50.4% |
| Participant deferral / active EE | $3,421 | $6,111-44.0% | $7,447-54.1% | $4,028-15.1% |
| Admin fee / account holder | $672 | $6,276-89.3% | $10,005-93.3% | $5,403-87.6% |