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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 | $14,885 | $48,570-69.4% | $130,660-88.6% | $72,975-79.6% |
| Participation rate | 41.5% | 58.6%-17.0pp | 71.7%-30.2pp | 69.5%-28.0pp |
| Annual return | 20.90% | 38.63%-17.7pp | 1709.29%-1688.4pp | 81.01%-60.1pp |
| Employer contribution / active EE | $0 | $1,334-100.0% | $4,092-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $1,478 | $2,384-38.0% | $3,603-59.0% | $3,608-59.0% |
| Admin fee / account holder | $408 | $3,549-88.5% | $5,463-92.5% | $5,124-92.0% |