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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 | $15,480 | $52,519-70.5% | $155,789-90.1% | $59,633-74.0% |
| Participation rate | 64.3% | 61.7%+2.6pp | 76.1%-11.8pp | 68.7%-4.4pp |
| Annual return | -2.55% | 53.51%-56.1pp | 71.54%-74.1pp | 2041.40%-2044.0pp |
| Employer contribution / active EE | $836 | $1,589-47.4% | $3,839-78.2% | $2,203-62.1% |
| Participant deferral / active EE | $1,386 | $3,084-55.1% | $4,798-71.1% | $3,192-56.6% |
| Admin fee / account holder | $385 | $3,540-89.1% | $7,477-94.8% | $4,297-91.0% |