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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 | $12,129 | $80,812-85.0% | $160,784-92.5% | $82,448-85.3% |
| Participation rate | 45.6% | 66.2%-20.6pp | 77.0%-31.3pp | 68.1%-22.5pp |
| Annual return | 16.94% | 100.59%-83.7pp | 1803.92%-1787.0pp | 41.64%-24.7pp |
| Employer contribution / active EE | $974 | $2,174-55.2% | $3,733-73.9% | $2,551-61.8% |
| Participant deferral / active EE | $1,815 | $4,335-58.1% | $6,293-71.2% | $4,139-56.2% |
| Admin fee / account holder | $1,102 | $7,695-85.7% | $9,717-88.7% | $7,234-84.8% |