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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 | $2,287 | $95,580-97.6% | $76,872-97.0% | $139,466-98.4% |
| Participation rate | 61.5% | 74.0%-12.4pp | 69.6%-8.1pp | 80.3%-18.8pp |
| Annual return | 193.75% | 55.00%+138.8pp | 37.90%+155.8pp | 373.66%-179.9pp |
| Employer contribution / active EE | $0 | $3,145-100.0% | $2,533-100.0% | $4,754-100.0% |
| Participant deferral / active EE | $2,260 | $4,623-51.1% | $3,832-41.0% | $6,712-66.3% |
| Admin fee / account holder | $937 | $8,302-88.7% | $5,476-82.9% | $11,409-91.8% |