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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 | $5,119 | $30,732-83.3% | $59,496-91.4% | $59,633-91.4% |
| Participation rate | 35.4% | 43.2%-7.8pp | 54.6%-19.1pp | 68.7%-33.3pp |
| Annual return | -1.04% | 4.47%-5.5pp | 182.05%-183.1pp | 2041.45%-2042.5pp |
| Employer contribution / active EE | $355 | $631-43.7% | $1,153-69.2% | $2,203-83.9% |
| Participant deferral / active EE | $404 | $1,183-65.9% | $1,829-77.9% | $3,192-87.4% |
| Admin fee / account holder | $656 | $2,136-69.3% | $2,232-70.6% | $4,297-84.7% |