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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 | $14,924 | $65,555-77.2% | $86,216-82.7% | $75,173-80.1% |
| Participation rate | 19.3% | 60.5%-41.2pp | 69.0%-49.6pp | 67.2%-47.9pp |
| Annual return | 23.08% | 46.07%-23.0pp | 1169.42%-1146.3pp | 160.72%-137.6pp |
| Employer contribution / active EE | $0 | $1,553-100.0% | $2,382-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,652 | $3,023-45.3% | $3,986-58.5% | $4,126-60.0% |
| Admin fee / account holder | $505 | $5,469-90.8% | $6,853-92.6% | $5,651-91.1% |