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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 | $12,317 | $68,996-82.1% | $159,991-92.3% | $68,495-82.0% |
| Participation rate | 51.7% | 65.4%-13.7pp | 78.0%-26.2pp | 67.9%-16.2pp |
| Annual return | 84.89% | -9.65%+94.5pp | 408.82%-323.9pp | -7.84%+92.7pp |
| Employer contribution / active EE | $640 | $2,212-71.1% | $4,225-84.8% | $2,596-75.3% |
| Participant deferral / active EE | $1,992 | $4,211-52.7% | $6,183-67.8% | $4,028-50.5% |
| Admin fee / account holder | $547 | $4,797-88.6% | $8,715-93.7% | $5,403-89.9% |