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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 | $11,775 | $75,962-84.5% | $154,111-92.4% | $64,173-81.7% |
| Participation rate | 38.9% | 70.4%-31.5pp | 83.0%-44.1pp | 69.6%-30.7pp |
| Annual return | -7.13% | 30.32%-37.5pp | 735.18%-742.3pp | 7.63%-14.8pp |
| Employer contribution / active EE | $650 | $3,350-80.6% | $5,298-87.7% | $2,381-72.7% |
| Participant deferral / active EE | $1,210 | $3,175-61.9% | $5,081-76.2% | $3,470-65.1% |
| Admin fee / account holder | $680 | $5,589-87.8% | $13,411-94.9% | $4,887-86.1% |