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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 | $12,154 | $75,832-84.0% | $147,617-91.8% | $59,633-79.6% |
| Participation rate | 19.4% | 71.6%-52.2pp | 84.6%-65.2pp | 68.7%-49.3pp |
| Annual return | 16.70% | 0.37%+16.3pp | 61.98%-45.3pp | 2041.45%-2024.7pp |
| Employer contribution / active EE | $0 | $3,485-100.0% | $5,564-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $947 | $3,131-69.8% | $4,895-80.7% | $3,192-70.3% |
| Admin fee / account holder | $1,896 | $5,986-68.3% | $11,612-83.7% | $4,297-55.9% |