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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 | $27,810 | $180,459-84.6% | $154,108-82.0% | $135,380-79.5% |
| Participation rate | 30.0% | 87.4%-57.4pp | 83.0%-53.0pp | 82.6%-52.6pp |
| Annual return | -6.57% | 888.21%-894.8pp | 735.21%-741.8pp | 519.81%-526.4pp |
| Employer contribution / active EE | $1,942 | $6,035-67.8% | $5,298-63.3% | $4,779-59.4% |
| Participant deferral / active EE | $2,430 | $5,806-58.1% | $5,081-52.2% | $5,609-56.7% |
| Admin fee / account holder | $376 | $16,145-97.7% | $13,411-97.2% | $10,828-96.5% |