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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 | $8,910 | $48,364-81.6% | $71,796-87.6% | $62,881-85.8% |
| Participation rate | 44.7% | 60.6%-15.9pp | 69.1%-24.4pp | 69.3%-24.6pp |
| Annual return | 7.89% | 13.16%-5.3pp | 78.04%-70.2pp | 20.14%-12.3pp |
| Employer contribution / active EE | $0 | $1,042-100.0% | $1,924-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,289 | $2,091-38.4% | $2,794-53.9% | $3,203-59.8% |
| Admin fee / account holder | $642 | $3,771-83.0% | $4,815-86.7% | $4,296-85.1% |