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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 | $31,257 | $198,462-84.3% | $170,439-81.7% | $147,585-78.8% |
| Participation rate | 50.0% | 88.0%-38.0pp | 83.6%-33.6pp | 82.8%-32.8pp |
| Annual return | 19.87% | 257.30%-237.4pp | 205.94%-186.1pp | 578.58%-558.7pp |
| Employer contribution / active EE | $2,108 | $6,184-65.9% | $5,433-61.2% | $4,876-56.8% |
| Participant deferral / active EE | $3,532 | $5,629-37.3% | $4,939-28.5% | $5,439-35.1% |
| Admin fee / account holder | $2,827 | $16,852-83.2% | $13,881-79.6% | $10,886-74.0% |