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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 | $12,756 | $75,832-83.2% | $147,618-91.4% | $59,633-78.6% |
| Participation rate | 35.5% | 71.6%-36.0pp | 84.6%-49.1pp | 68.7%-33.1pp |
| Annual return | 3.91% | 0.37%+3.5pp | 61.98%-58.1pp | 2041.40%-2037.5pp |
| Employer contribution / active EE | $490 | $3,485-85.9% | $5,565-91.2% | $2,203-77.8% |
| Participant deferral / active EE | $988 | $3,131-68.4% | $4,895-79.8% | $3,192-69.0% |
| Admin fee / account holder | $1,576 | $5,986-73.7% | $11,612-86.4% | $4,297-63.3% |