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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 | $17,832 | $58,121-69.3% | $130,788-86.4% | $64,728-72.5% |
| Participation rate | 11.0% | 34.7%-23.7pp | 70.1%-59.1pp | 57.9%-46.9pp |
| Annual return | 26.15% | 102.13%-76.0pp | 386.44%-360.3pp | 49.38%-23.2pp |
| Employer contribution / active EE | $300 | $1,281-76.6% | $3,558-91.6% | $2,243-86.6% |
| Participant deferral / active EE | $627 | $2,137-70.7% | $4,137-84.8% | $2,729-77.0% |
| Admin fee / account holder | $1,614 | $1,703-5.2% | $6,673-75.8% | $1,145+41.0% |