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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 | $14,462 | $102,429-85.9% | $147,096-90.2% | $80,925-82.1% |
| Participation rate | 45.2% | 75.9%-30.7pp | 82.2%-37.0pp | 67.7%-22.5pp |
| Annual return | 15.07% | 135.02%-120.0pp | 419.75%-404.7pp | 35.65%-20.6pp |
| Employer contribution / active EE | $0 | $3,716-100.0% | $4,936-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $5,659 | $6,649-14.9% | $8,071-29.9% | $4,299+31.6% |
| Admin fee / account holder | $664 | $7,957-91.7% | $13,005-94.9% | $6,940-90.4% |