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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 | $15,930 | $144,130-88.9% | $117,861-86.5% | $147,586-89.2% |
| Participation rate | 38.9% | 83.4%-44.5pp | 79.7%-40.8pp | 82.8%-43.9pp |
| Annual return | 11.44% | 531.20%-519.8pp | 335.11%-323.7pp | 578.59%-567.2pp |
| Employer contribution / active EE | $0 | $4,897-100.0% | $3,786-100.0% | $4,876-100.0% |
| Participant deferral / active EE | $1,592 | $5,316-70.0% | $4,482-64.5% | $5,439-70.7% |
| Admin fee / account holder | $2,407 | $10,887-77.9% | $8,021-70.0% | $10,886-77.9% |