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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% | $339,457-59.8% |
| Participation rate | 55.6% | 61.6%-6.1pp | 42.1%+13.4pp | 43.9%+11.6pp |
| Annual return | 10.54% | 173.87%-163.3pp | 148.54%-138.0pp | 13.05%-2.5pp |
| Employer contribution / active EE | $0 | $30,823-100.0% | $26,844-100.0% | $37,651-100.0% |
| 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% | $31,074-96.9% |