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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 | $4,501 | $85,024-94.7% | $70,544-93.6% | $139,466-96.8% |
| Participation rate | 41.7% | 73.9%-32.2pp | 68.4%-26.7pp | 80.3%-38.7pp |
| Annual return | 283.21% | 30.39%+252.8pp | 32.79%+250.4pp | 373.66%-90.5pp |
| Employer contribution / active EE | $1,351 | $3,912-65.5% | $2,976-54.6% | $4,754-71.6% |
| Participant deferral / active EE | $1,817 | $5,891-69.2% | $4,568-60.2% | $6,712-72.9% |
| Admin fee / account holder | $3,193 | $8,928-64.2% | $6,427-50.3% | $11,409-72.0% |