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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 | $9,390 | $60,119-84.4% | $90,430-89.6% | $79,858-88.2% |
| Participation rate | 56.7% | 65.0%-8.3pp | 72.7%-16.0pp | 69.6%-12.9pp |
| Annual return | 23.17% | 71.94%-48.8pp | 1293.73%-1270.6pp | 31.72%-8.5pp |
| Employer contribution / active EE | $313 | $2,068-84.9% | $3,262-90.4% | $2,471-87.3% |
| Participant deferral / active EE | $1,572 | $2,938-46.5% | $3,963-60.3% | $3,740-58.0% |
| Admin fee / account holder | $451 | $3,976-88.7% | $5,613-92.0% | $5,306-91.5% |