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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 | $27,772 | $78,428-64.6% | $95,960-71.1% | $79,852-65.2% |
| Participation rate | 50.8% | 73.5%-22.7pp | 77.1%-26.3pp | 69.6%-18.8pp |
| Annual return | 121.92% | 19.37%+102.5pp | 91.63%+30.3pp | 31.72%+90.2pp |
| Employer contribution / active EE | $0 | $1,945-100.0% | $2,541-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $7,941 | $3,440+130.8% | $4,167+90.6% | $3,740+112.3% |
| Admin fee / account holder | $1,514 | $5,622-73.1% | $6,797-77.7% | $5,306-71.5% |