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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 | $22,175 | $102,393-78.3% | $147,041-84.9% | $80,911-72.6% |
| Participation rate | 51.0% | 75.9%-24.9pp | 82.2%-31.2pp | 67.6%-16.7pp |
| Annual return | 18.04% | 134.95%-116.9pp | 419.21%-401.2pp | 35.63%-17.6pp |
| Employer contribution / active EE | $0 | $3,715-100.0% | $4,935-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $3,289 | $6,647-50.5% | $8,071-59.2% | $4,297-23.5% |
| Admin fee / account holder | $2,468 | $7,943-68.9% | $13,006-81.0% | $6,935-64.4% |