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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 | $6,263 | $45,872-86.3% | $77,096-91.9% | $68,486-90.9% |
| Participation rate | 51.4% | 55.9%-4.5pp | 67.9%-16.5pp | 67.9%-16.5pp |
| Annual return | 0.00% | 1.73%-1.7pp | 42.35%-42.3pp | -7.85%+7.9pp |
| Employer contribution / active EE | $1,086 | $1,650-34.2% | $2,814-61.4% | $2,597-58.2% |
| Participant deferral / active EE | $2,356 | $2,963-20.5% | $4,429-46.8% | $4,028-41.5% |
| Admin fee / account holder | $395 | $3,041-87.0% | $5,428-92.7% | $5,404-92.7% |