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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 | $15,831 | $91,537-82.7% | $130,045-87.8% | $75,173-78.9% |
| Participation rate | 69.2% | 71.5%-2.2pp | 78.5%-9.3pp | 67.2%+2.0pp |
| Annual return | 25.44% | -631.55%+657.0pp | -137.30%+162.7pp | 160.72%-135.3pp |
| Employer contribution / active EE | $870 | $2,845-69.4% | $4,321-79.9% | $2,671-67.4% |
| Participant deferral / active EE | $3,275 | $4,343-24.6% | $5,820-43.7% | $4,126-20.6% |
| Admin fee / account holder | $846 | $6,780-87.5% | $10,600-92.0% | $5,651-85.0% |