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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 | $13,140 | $102,393-87.2% | $147,041-91.1% | $80,911-83.8% |
| Participation rate | 58.8% | 75.9%-17.0pp | 82.2%-23.3pp | 67.6%-8.8pp |
| Annual return | 31.63% | 134.95%-103.3pp | 419.21%-387.6pp | 35.63%-4.0pp |
| Employer contribution / active EE | $0 | $3,715-100.0% | $4,935-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $4,758 | $6,647-28.4% | $8,071-41.0% | $4,297+10.7% |
| Admin fee / account holder | $1,951 | $7,943-75.4% | $13,006-85.0% | $6,935-71.9% |