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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 | $9,283 | $103,949-91.1% | $69,182-86.6% | $273,972-96.6% |
| Participation rate | 4.5% | 67.4%-62.8pp | 55.1%-50.6pp | 83.0%-78.5pp |
| Annual return | 10.29% | 35.28%-25.0pp | -21.93%+32.2pp | 41.46%-31.2pp |
| Employer contribution / active EE | $0 | $1,783-100.0% | $1,206-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $855 | $2,716-68.5% | $1,897-54.9% | $5,287-83.8% |
| Admin fee / account holder | $3,263 | $3,671-11.1% | $2,697+21.0% | $10,133-67.8% |