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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 | $18,414 | $77,816-76.3% | $123,552-85.1% | $64,173-71.3% |
| Participation rate | 37.8% | 74.7%-36.9pp | 82.3%-44.5pp | 69.6%-31.8pp |
| Annual return | -0.59% | 12.49%-13.1pp | 119.20%-119.8pp | 7.63%-8.2pp |
| Employer contribution / active EE | $0 | $3,014-100.0% | $4,628-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $3,293 | $5,240-37.2% | $6,426-48.8% | $3,470-5.1% |
| Admin fee / account holder | $6,231 | $5,519+12.9% | $9,285-32.9% | $4,887+27.5% |