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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 | $21,621 | $58,828-63.2% | $78,002-72.3% | $62,881-65.6% |
| Participation rate | 36.4% | 71.1%-34.7pp | 75.5%-39.2pp | 69.3%-32.9pp |
| Annual return | 68.75% | 17.16%+51.6pp | 425.99%-357.2pp | 20.14%+48.6pp |
| Employer contribution / active EE | $0 | $1,672-100.0% | $2,470-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $3,610 | $2,686+34.4% | $3,497+3.2% | $3,203+12.7% |
| Admin fee / account holder | $425 | $4,393-90.3% | $5,481-92.2% | $4,296-90.1% |