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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 | $8,337 | $69,541-88.0% | $59,899-86.1% | $135,380-93.8% |
| Participation rate | 45.5% | 77.8%-32.4pp | 74.7%-29.2pp | 82.6%-37.2pp |
| Annual return | 127.06% | 7.95%+119.1pp | 3.46%+123.6pp | 519.81%-392.7pp |
| Employer contribution / active EE | $0 | $3,236-100.0% | $2,723-100.0% | $4,779-100.0% |
| Participant deferral / active EE | $2,497 | $4,206-40.6% | $3,402-26.6% | $5,609-55.5% |
| Admin fee / account holder | $4,075 | $5,737-29.0% | $3,592+13.4% | $10,828-62.4% |