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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 | $12,583 | $39,162-67.9% | $100,671-87.5% | $59,633-78.9% |
| Participation rate | 42.2% | 55.9%-13.6pp | 70.7%-28.5pp | 68.7%-26.4pp |
| Annual return | -2.39% | 21.07%-23.5pp | 20.43%-22.8pp | 2041.45%-2043.8pp |
| Employer contribution / active EE | $0 | $1,151-100.0% | $4,012-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $877 | $1,992-56.0% | $3,144-72.1% | $3,192-72.5% |
| Admin fee / account holder | $311 | $2,969-89.5% | $4,850-93.6% | $4,297-92.8% |