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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 | $28,599 | $88,203-67.6% | $165,100-82.7% | $74,478-61.6% |
| Participation rate | 37.3% | 73.1%-35.9pp | 78.6%-41.4pp | 67.2%-30.0pp |
| Annual return | 29.63% | 17.13%+12.5pp | 70.21%-40.6pp | 1370.56%-1340.9pp |
| Employer contribution / active EE | $1,522 | $2,601-41.5% | $4,348-65.0% | $2,626-42.1% |
| Participant deferral / active EE | $2,862 | $4,505-36.5% | $6,035-52.6% | $4,350-34.2% |
| Admin fee / account holder | $1,405 | $2,235-37.1% | $12,696-88.9% | $1,946-27.8% |