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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 | $26,822 | $91,536-70.7% | $130,062-79.4% | $75,177-64.3% |
| Participation rate | 39.6% | 71.5%-31.8pp | 78.5%-38.9pp | 67.2%-27.6pp |
| Annual return | 15.71% | -631.62%+647.3pp | -137.37%+153.1pp | 160.75%-145.0pp |
| Employer contribution / active EE | $1,614 | $2,845-43.3% | $4,322-62.7% | $2,671-39.6% |
| Participant deferral / active EE | $4,220 | $4,343-2.8% | $5,821-27.5% | $4,126+2.3% |
| Admin fee / account holder | $1,255 | $6,780-81.5% | $10,601-88.2% | $5,651-77.8% |