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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 | $7,327 | $29,507-75.2% | $56,025-86.9% | $77,762-90.6% |
| Participation rate | 11.4% | 32.7%-21.3pp | 52.5%-41.1pp | 70.6%-59.2pp |
| Annual return | 20.96% | 18.90%+2.1pp | 1712.69%-1691.7pp | 31.27%-10.3pp |
| Employer contribution / active EE | $207 | $570-63.6% | $1,042-80.1% | $2,728-92.4% |
| Participant deferral / active EE | $330 | $1,062-68.9% | $1,955-83.1% | $4,651-92.9% |
| Admin fee / account holder | $1,049 | $1,041+0.8% | $2,828-62.9% | $433+142.3% |