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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 | $15,565 | $52,519-70.4% | $155,789-90.0% | $59,633-73.9% |
| Participation rate | 38.6% | 61.7%-23.1pp | 76.1%-37.5pp | 68.7%-30.1pp |
| Annual return | -1.75% | 53.51%-55.3pp | 71.54%-73.3pp | 2041.40%-2043.2pp |
| Employer contribution / active EE | $718 | $1,589-54.8% | $3,839-81.3% | $2,203-67.4% |
| Participant deferral / active EE | $2,150 | $3,084-30.3% | $4,798-55.2% | $3,192-32.6% |
| Admin fee / account holder | $6,239 | $3,540+76.2% | $7,477-16.6% | $4,297+45.2% |