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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 | $20,283 | $209,422-90.3% | $178,503-88.6% | $158,982-87.2% |
| Participation rate | 50.0% | 86.4%-36.4pp | 81.9%-31.9pp | 82.0%-32.0pp |
| Annual return | 18.48% | 188.81%-170.3pp | 151.12%-132.6pp | 302.99%-284.5pp |
| Employer contribution / active EE | $2,051 | $5,707-64.1% | $5,011-59.1% | $4,763-56.9% |
| Participant deferral / active EE | $3,480 | $5,955-41.6% | $5,202-33.1% | $5,983-41.8% |
| Admin fee / account holder | $13,576 | $17,079-20.5% | $13,987-2.9% | $11,252+20.7% |