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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 | $15,714 | $50,199-68.7% | $69,890-77.5% | $66,949-76.5% |
| Participation rate | 49.0% | 66.3%-17.3pp | 70.5%-21.5pp | 69.8%-20.8pp |
| Annual return | -16.62% | -13.85%-2.8pp | 190.84%-207.5pp | 1.57%-18.2pp |
| Employer contribution / active EE | $1,166 | $1,864-37.4% | $2,560-54.5% | $2,545-54.2% |
| Participant deferral / active EE | $2,573 | $3,112-17.3% | $3,848-33.1% | $4,239-39.3% |
| Admin fee / account holder | $351 | $600-41.5% | $6,267-94.4% | $594-40.9% |