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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 | $14,773 | $65,395-77.4% | $182,540-91.9% | $72,975-79.8% |
| Participation rate | 35.6% | 65.4%-29.9pp | 78.0%-42.4pp | 69.5%-33.9pp |
| Annual return | 41.58% | 27.68%+13.9pp | 148.58%-107.0pp | 81.01%-39.4pp |
| Employer contribution / active EE | $0 | $1,911-100.0% | $4,076-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $1,928 | $3,563-45.9% | $5,525-65.1% | $3,608-46.6% |
| Admin fee / account holder | $1,178 | $4,245-72.3% | $8,593-86.3% | $5,124-77.0% |