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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 | $14,104 | $81,870-82.8% | $119,622-88.2% | $68,486-79.4% |
| Participation rate | 59.0% | 71.9%-12.9pp | 79.3%-20.3pp | 67.9%-8.9pp |
| Annual return | 0.00% | -23.82%+23.8pp | -14.98%+15.0pp | -7.85%+7.9pp |
| Employer contribution / active EE | $1,488 | $2,692-44.7% | $4,232-64.9% | $2,597-42.7% |
| Participant deferral / active EE | $2,991 | $4,148-27.9% | $5,601-46.6% | $4,028-25.7% |
| Admin fee / account holder | $19,074 | $6,583+189.7% | $10,328+84.7% | $5,404+253.0% |