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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 | $14,633 | $148,623-90.2% | $135,974-89.2% | $139,466-89.5% |
| Participation rate | 36.8% | 83.9%-47.0pp | 81.9%-45.1pp | 80.3%-43.5pp |
| Annual return | 16.59% | 79.30%-62.7pp | 68.30%-51.7pp | 373.66%-357.1pp |
| Employer contribution / active EE | $1,232 | $5,246-76.5% | $4,859-74.6% | $4,754-74.1% |
| Participant deferral / active EE | $3,844 | $8,103-52.6% | $7,760-50.5% | $6,712-42.7% |
| Admin fee / account holder | $1,917 | $12,406-84.5% | $10,767-82.2% | $11,409-83.2% |