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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 | $4,920 | $54,370-91.0% | $82,763-94.1% | $68,490-92.8% |
| Participation rate | 69.0% | 63.9%+5.0pp | 72.6%-3.6pp | 67.9%+1.1pp |
| Annual return | -14.81% | -13.67%-1.1pp | 702.45%-717.3pp | -7.85%-7.0pp |
| Employer contribution / active EE | $1,711 | $2,219-22.9% | $3,008-43.1% | $2,597-34.1% |
| Participant deferral / active EE | $1,468 | $3,247-54.8% | $4,395-66.6% | $4,028-63.5% |
| Admin fee / account holder | $662 | $4,398-85.0% | $5,325-87.6% | $5,403-87.8% |