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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 | $4,151 | $75,828-94.5% | $147,617-97.2% | $59,632-93.0% |
| Participation rate | 55.2% | 71.6%-16.4pp | 84.6%-29.4pp | 68.7%-13.5pp |
| Annual return | -2.48% | 0.37%-2.9pp | 61.98%-64.5pp | 2041.32%-2043.8pp |
| Employer contribution / active EE | $997 | $3,485-71.4% | $5,565-82.1% | $2,203-54.7% |
| Participant deferral / active EE | $1,184 | $3,130-62.2% | $4,895-75.8% | $3,192-62.9% |
| Admin fee / account holder | $610 | $5,985-89.8% | $11,611-94.7% | $4,297-85.8% |