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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 | $8,467 | $77,908-89.1% | $149,696-94.3% | $75,173-88.7% |
| Participation rate | 29.5% | 65.6%-36.0pp | 78.8%-49.2pp | 67.2%-37.7pp |
| Annual return | 321.46% | 31.73%+289.7pp | 134.46%+187.0pp | 160.72%+160.7pp |
| Employer contribution / active EE | $0 | $3,138-100.0% | $4,821-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,351 | $3,411-60.4% | $5,682-76.2% | $4,126-67.3% |
| Admin fee / account holder | $624 | $5,950-89.5% | $13,212-95.3% | $5,651-89.0% |