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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 | $12,663 | $69,012-81.7% | $160,037-92.1% | $68,490-81.5% |
| Participation rate | 46.3% | 65.4%-19.1pp | 78.0%-31.6pp | 67.9%-21.6pp |
| Annual return | 0.62% | -9.65%+10.3pp | 408.95%-408.3pp | -7.85%+8.5pp |
| Employer contribution / active EE | $0 | $2,212-100.0% | $4,226-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $2,673 | $4,212-36.5% | $6,184-56.8% | $4,028-33.6% |
| Admin fee / account holder | $1,165 | $4,798-75.7% | $8,716-86.6% | $5,403-78.4% |