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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 | $13,588 | $113,941-88.1% | $94,229-85.6% | $125,389-89.2% |
| Participation rate | 38.5% | 82.9%-44.4pp | 78.8%-40.3pp | 83.2%-44.7pp |
| Annual return | -1.67% | 5.29%-7.0pp | 10.68%-12.4pp | 282.24%-283.9pp |
| Employer contribution / active EE | $0 | $4,727-100.0% | $3,587-100.0% | $4,866-100.0% |
| Participant deferral / active EE | $2,186 | $5,179-57.8% | $4,320-49.4% | $5,352-59.2% |
| Admin fee / account holder | $679 | $8,392-91.9% | $6,269-89.2% | $9,541-92.9% |