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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 | $16,159 | $176,402-90.8% | $134,155-88.0% | $158,950-89.8% |
| Participation rate | 58.3% | 78.7%-20.4pp | 72.2%-13.9pp | 82.0%-23.6pp |
| Annual return | 17.53% | 63.66%-46.1pp | 36.34%-18.8pp | 302.91%-285.4pp |
| Employer contribution / active EE | $0 | $5,042-100.0% | $3,705-100.0% | $4,762-100.0% |
| Participant deferral / active EE | $1,532 | $4,093-62.6% | $3,500-56.2% | $5,983-74.4% |
| Admin fee / account holder | $1,351 | $8,719-84.5% | $6,685-79.8% | $11,248-88.0% |