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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 | $20,053 | $77,145-74.0% | $108,410-81.5% | $85,856-76.6% |
| Participation rate | 47.8% | 74.7%-26.8pp | 80.1%-32.3pp | 69.3%-21.5pp |
| Annual return | 20.80% | 44.54%-23.7pp | 905.34%-884.5pp | 318.58%-297.8pp |
| Employer contribution / active EE | $1,482 | $2,379-37.7% | $3,558-58.3% | $2,565-42.2% |
| Participant deferral / active EE | $3,759 | $5,566-32.5% | $6,562-42.7% | $3,952-4.9% |
| Admin fee / account holder | $1,309 | $5,172-74.7% | $7,296-82.1% | $6,261-79.1% |