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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 | $136,330 | $185,887-26.7% | $179,823-24.2% | $330,599-58.8% |
| Participation rate | 55.6% | 61.6%-6.1pp | 42.1%+13.4pp | 43.7%+11.9pp |
| Annual return | 10.54% | 174.20%-163.7pp | 148.78%-138.2pp | 13.05%-2.5pp |
| Employer contribution / active EE | $0 | $30,844-100.0% | $26,858-100.0% | $37,664-100.0% |
| Participant deferral / active EE | $0 | $68-100.0% | $63-100.0% | $48-100.0% |
| Admin fee / account holder | $970 | $1,660-41.6% | $1,660-41.6% | $31,365-96.9% |