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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 | $16,206 | $157,304-89.7% | $141,197-88.5% | $152,909-89.4% |
| Participation rate | 60.0% | 84.8%-24.8pp | 82.5%-22.5pp | 82.5%-22.5pp |
| Annual return | 22.92% | 64.34%-41.4pp | 71.41%-48.5pp | 345.46%-322.5pp |
| Employer contribution / active EE | $2,215 | $5,263-57.9% | $4,736-53.2% | $4,764-53.5% |
| Participant deferral / active EE | $3,879 | $7,111-45.5% | $6,710-42.2% | $5,851-33.7% |
| Admin fee / account holder | $3,531 | $12,126-70.9% | $10,265-65.6% | $11,601-69.6% |