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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 | $7,846 | $60,119-86.9% | $90,430-91.3% | $79,858-90.2% |
| Participation rate | 46.4% | 65.0%-18.5pp | 72.7%-26.3pp | 69.6%-23.2pp |
| Annual return | 22.71% | 71.94%-49.2pp | 1293.73%-1271.0pp | 31.72%-9.0pp |
| Employer contribution / active EE | $1,808 | $2,068-12.6% | $3,262-44.6% | $2,471-26.8% |
| Participant deferral / active EE | $1,598 | $2,938-45.6% | $3,963-59.7% | $3,740-57.3% |
| Admin fee / account holder | $1,409 | $3,976-64.6% | $5,613-74.9% | $5,306-73.5% |