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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 | $8,850 | $108,911-91.9% | $100,392-91.2% | $145,884-93.9% |
| Participation rate | 33.3% | 83.0%-49.6pp | 81.5%-48.2pp | 80.3%-47.0pp |
| Annual return | 13.86% | 58.23%-44.4pp | 49.45%-35.6pp | 551.85%-538.0pp |
| Employer contribution / active EE | $4,354 | $4,420-1.5% | $3,941+10.5% | $4,662-6.6% |
| Participant deferral / active EE | $9,757 | $8,459+15.3% | $8,090+20.6% | $6,690+45.9% |
| Admin fee / account holder | $6,051 | $9,698-37.6% | $7,904-23.4% | $13,392-54.8% |