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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 | $25,539 | $135,639-81.2% | $110,241-76.8% | $135,382-81.1% |
| Participation rate | 66.7% | 83.5%-16.8pp | 79.8%-13.2pp | 82.6%-16.0pp |
| Annual return | -4.47% | 513.21%-517.7pp | 314.75%-319.2pp | 519.77%-524.2pp |
| Employer contribution / active EE | $1,709 | $4,907-65.2% | $3,827-55.3% | $4,779-64.2% |
| Participant deferral / active EE | $4,628 | $5,507-16.0% | $4,672-0.9% | $5,609-17.5% |
| Admin fee / account holder | $635 | $11,457-94.5% | $8,548-92.6% | $10,829-94.1% |