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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 | $4,182 | $82,674-94.9% | $125,381-96.7% | $68,486-93.9% |
| Participation rate | 63.4% | 75.1%-11.6pp | 82.4%-19.0pp | 67.9%-4.5pp |
| Annual return | -18.17% | -5.97%-12.2pp | 572.31%-590.5pp | -7.85%-10.3pp |
| Employer contribution / active EE | $0 | $3,382-100.0% | $4,815-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $3,717 | $6,111-39.2% | $7,448-50.1% | $4,028-7.7% |
| Admin fee / account holder | $878 | $6,277-86.0% | $10,007-91.2% | $5,404-83.8% |