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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 | $12,256 | $106,008-88.4% | $92,240-86.7% | $147,586-91.7% |
| Participation rate | 61.9% | 80.4%-18.5pp | 76.5%-14.6pp | 82.8%-20.9pp |
| Annual return | 21.33% | 50.05%-28.7pp | 176.29%-155.0pp | 578.59%-557.3pp |
| Employer contribution / active EE | $853 | $4,333-80.3% | $3,680-76.8% | $4,876-82.5% |
| Participant deferral / active EE | $1,717 | $4,478-61.7% | $3,897-55.9% | $5,439-68.4% |
| Admin fee / account holder | $955 | $6,333-84.9% | $5,194-81.6% | $10,886-91.2% |