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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 | $21,124 | $198,457-89.4% | $170,435-87.6% | $147,586-85.7% |
| Participation rate | 61.1% | 88.0%-26.9pp | 83.6%-22.5pp | 82.8%-21.7pp |
| Annual return | 15.60% | 257.30%-241.7pp | 205.94%-190.3pp | 578.59%-563.0pp |
| Employer contribution / active EE | $1,746 | $6,183-71.8% | $5,432-67.9% | $4,876-64.2% |
| Participant deferral / active EE | $4,735 | $5,629-15.9% | $4,939-4.1% | $5,439-12.9% |
| Admin fee / account holder | $2,212 | $16,852-86.9% | $13,881-84.1% | $10,886-79.7% |