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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 | $4,839 | $60,119-92.0% | $90,430-94.6% | $79,858-93.9% |
| Participation rate | 65.5% | 65.0%+0.5pp | 72.7%-7.2pp | 69.6%-4.2pp |
| Annual return | 20.30% | 71.94%-51.6pp | 1293.73%-1273.4pp | 31.72%-11.4pp |
| Employer contribution / active EE | $452 | $2,068-78.1% | $3,262-86.1% | $2,471-81.7% |
| Participant deferral / active EE | $1,100 | $2,938-62.6% | $3,963-72.2% | $3,740-70.6% |
| Admin fee / account holder | $496 | $3,976-87.5% | $5,613-91.2% | $5,306-90.7% |