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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 | $13,548 | $98,760-86.3% | $149,715-91.0% | $79,858-83.0% |
| Participation rate | 38.2% | 75.8%-37.5pp | 82.5%-44.2pp | 69.6%-31.4pp |
| Annual return | 79.99% | 27.43%+52.6pp | 276.66%-196.7pp | 31.72%+48.3pp |
| Employer contribution / active EE | $0 | $3,217-100.0% | $4,645-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $3,070 | $5,681-46.0% | $6,842-55.1% | $3,740-17.9% |
| Admin fee / account holder | $421 | $6,053-93.0% | $9,310-95.5% | $5,306-92.1% |