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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 | $9,323 | $54,717-83.0% | $86,209-89.2% | $71,495-87.0% |
| Participation rate | 22.4% | 60.1%-37.7pp | 69.0%-46.5pp | 67.9%-45.5pp |
| Annual return | 27.05% | 20.07%+7.0pp | 1169.05%-1142.0pp | 28.85%-1.8pp |
| Employer contribution / active EE | $0 | $1,267-100.0% | $2,381-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $1,403 | $3,110-54.9% | $3,986-64.8% | $4,291-67.3% |
| Admin fee / account holder | $620 | $1,922-67.7% | $6,853-91.0% | $1,588-61.0% |