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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 | $25,211 | $144,130-82.5% | $117,861-78.6% | $147,586-82.9% |
| Participation rate | 42.1% | 83.4%-41.3pp | 79.7%-37.6pp | 82.8%-40.7pp |
| Annual return | 19.96% | 531.20%-511.2pp | 335.11%-315.1pp | 578.59%-558.6pp |
| Employer contribution / active EE | $1,190 | $4,897-75.7% | $3,786-68.6% | $4,876-75.6% |
| Participant deferral / active EE | $3,268 | $5,316-38.5% | $4,482-27.1% | $5,439-39.9% |
| Admin fee / account holder | $2,823 | $10,887-74.1% | $8,021-64.8% | $10,886-74.1% |