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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 | $3,956 | $53,063-92.5% | $124,206-96.8% | $82,637-95.2% |
| Participation rate | 50.0% | 58.4%-8.4pp | 69.6%-19.6pp | 68.1%-18.1pp |
| Annual return | 19.57% | 68.87%-49.3pp | 515.27%-495.7pp | 53.51%-33.9pp |
| Employer contribution / active EE | $0 | $1,530-100.0% | $3,540-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $989 | $2,644-62.6% | $3,968-75.1% | $4,126-76.0% |
| Admin fee / account holder | $1,134 | $4,281-73.5% | $5,929-80.9% | $7,339-84.5% |