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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 | $17,221 | $91,537-81.2% | $130,045-86.8% | $75,173-77.1% |
| Participation rate | 46.2% | 71.5%-25.3pp | 78.5%-32.3pp | 67.2%-21.0pp |
| Annual return | 82.74% | -631.55%+714.3pp | -137.30%+220.0pp | 160.72%-78.0pp |
| Employer contribution / active EE | $1,902 | $2,845-33.2% | $4,321-56.0% | $2,671-28.8% |
| Participant deferral / active EE | $5,022 | $4,343+15.6% | $5,820-13.7% | $4,126+21.7% |
| Admin fee / account holder | $3,893 | $6,780-42.6% | $10,600-63.3% | $5,651-31.1% |