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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 | $5,832 | $95,917-93.9% | $79,583-92.7% | $134,545-95.7% |
| Participation rate | 52.4% | 75.0%-22.7pp | 69.5%-17.1pp | 81.2%-28.9pp |
| Annual return | -9.12% | -2.70%-6.4pp | 0.16%-9.3pp | 418.37%-427.5pp |
| Employer contribution / active EE | $2,112 | $3,129-32.5% | $2,414-12.5% | $4,742-55.5% |
| Participant deferral / active EE | $3,541 | $4,694-24.6% | $3,986-11.1% | $6,401-44.7% |
| Admin fee / account holder | $1,502 | $9,132-83.6% | $6,835-78.0% | $11,431-86.9% |