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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 | $24,028 | $86,298-72.2% | $111,308-78.4% | $85,847-72.0% |
| Participation rate | 58.7% | 73.3%-14.6pp | 77.3%-18.6pp | 69.3%-10.6pp |
| Annual return | 58.62% | 19.99%+38.6pp | 54.67%+4.0pp | 318.61%-260.0pp |
| Employer contribution / active EE | $1,017 | $2,044-50.2% | $2,732-62.8% | $2,565-60.4% |
| Participant deferral / active EE | $4,106 | $3,641+12.8% | $4,487-8.5% | $3,952+3.9% |
| Admin fee / account holder | $1,523 | $8,189-81.4% | $7,965-80.9% | $6,261-75.7% |