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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 | $19,513 | $152,612-87.2% | $125,192-84.4% | $152,897-87.2% |
| Participation rate | 47.6% | 83.3%-35.7pp | 79.8%-32.2pp | 82.5%-34.8pp |
| Annual return | 25.77% | 54.85%-29.1pp | 43.79%-18.0pp | 345.43%-319.7pp |
| Employer contribution / active EE | $2,353 | $4,947-52.4% | $3,866-39.1% | $4,764-50.6% |
| Participant deferral / active EE | $3,146 | $5,868-46.4% | $4,937-36.3% | $5,851-46.2% |
| Admin fee / account holder | $501 | $13,437-96.3% | $9,704-94.8% | $11,599-95.7% |