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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 | $32,273 | $94,529-65.9% | $140,019-77.0% | $64,173-49.7% |
| Participation rate | 43.7% | 84.1%-40.4pp | 87.5%-43.8pp | 69.6%-25.9pp |
| Annual return | -6.08% | 7.77%-13.9pp | 651.17%-657.3pp | 7.63%-13.7pp |
| Employer contribution / active EE | $0 | $3,812-100.0% | $5,605-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $4,246 | $5,250-19.1% | $6,927-38.7% | $3,470+22.4% |
| Admin fee / account holder | $4,906 | $6,741-27.2% | $10,705-54.2% | $4,887+0.4% |