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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 | $13,264 | $44,714-70.3% | $91,225-85.5% | $66,938-80.2% |
| Participation rate | 38.9% | 65.0%-26.1pp | 73.2%-34.3pp | 69.8%-30.9pp |
| Annual return | -3.16% | -12.25%+9.1pp | 114.12%-117.3pp | 1.58%-4.7pp |
| Employer contribution / active EE | $824 | $1,710-51.8% | $2,851-71.1% | $2,545-67.6% |
| Participant deferral / active EE | $1,654 | $3,355-50.7% | $4,233-60.9% | $4,238-61.0% |
| Admin fee / account holder | $858 | $521+64.6% | $5,422-84.2% | $594+44.5% |