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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 | $19,693 | $102,385-80.8% | $147,080-86.6% | $80,935-75.7% |
| Participation rate | 41.3% | 75.9%-34.6pp | 82.2%-40.9pp | 67.7%-26.4pp |
| Annual return | 30.24% | 135.09%-104.9pp | 420.17%-389.9pp | 35.66%-5.4pp |
| Employer contribution / active EE | $0 | $3,717-100.0% | $4,933-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $3,521 | $6,651-47.1% | $8,066-56.3% | $4,299-18.1% |
| Admin fee / account holder | $478 | $7,951-94.0% | $12,989-96.3% | $6,924-93.1% |