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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 | $14,230 | $160,028-91.1% | $147,080-90.3% | $145,884-90.2% |
| Participation rate | 25.0% | 84.0%-59.0pp | 82.2%-57.2pp | 80.3%-55.3pp |
| Annual return | 11.63% | 98.60%-87.0pp | 420.17%-408.5pp | 551.85%-540.2pp |
| Employer contribution / active EE | $1,435 | $5,286-72.8% | $4,933-70.9% | $4,662-69.2% |
| Participant deferral / active EE | $2,820 | $8,422-66.5% | $8,066-65.0% | $6,690-57.8% |
| Admin fee / account holder | $16,585 | $15,030+10.3% | $12,989+27.7% | $13,392+23.8% |