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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 | $4,081 | $53,063-92.3% | $124,206-96.7% | $82,637-95.1% |
| Participation rate | 56.8% | 58.4%-1.6pp | 69.6%-12.8pp | 68.1%-11.3pp |
| Annual return | 18.94% | 68.87%-49.9pp | 515.27%-496.3pp | 53.51%-34.6pp |
| Employer contribution / active EE | $0 | $1,530-100.0% | $3,540-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $762 | $2,644-71.2% | $3,968-80.8% | $4,126-81.5% |
| Admin fee / account holder | $1,151 | $4,281-73.1% | $5,929-80.6% | $7,339-84.3% |