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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 | $22,705 | $217,427-89.6% | $185,837-87.8% | $167,518-86.4% |
| Participation rate | 27.3% | 86.0%-58.8pp | 81.7%-54.4pp | 82.1%-54.8pp |
| Annual return | 14.63% | 148.39%-133.8pp | 122.08%-107.4pp | 478.71%-464.1pp |
| Employer contribution / active EE | $4,537 | $5,874-22.8% | $5,168-12.2% | $4,838-6.2% |
| Participant deferral / active EE | $7,351 | $6,357+15.6% | $5,568+32.0% | $6,342+15.9% |
| Admin fee / account holder | $8,038 | $19,816-59.4% | $16,241-50.5% | $12,312-34.7% |