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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 | $17,205 | $82,674-79.2% | $125,363-86.3% | $68,495-74.9% |
| Participation rate | 57.6% | 75.0%-17.5pp | 82.4%-24.8pp | 67.9%-10.3pp |
| Annual return | -12.12% | -5.97%-6.2pp | 572.15%-584.3pp | -7.84%-4.3pp |
| Employer contribution / active EE | $1,018 | $3,382-69.9% | $4,815-78.9% | $2,596-60.8% |
| Participant deferral / active EE | $5,644 | $6,111-7.6% | $7,447-24.2% | $4,028+40.1% |
| Admin fee / account holder | $4,401 | $6,276-29.9% | $10,005-56.0% | $5,403-18.6% |