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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 | $14,760 | $115,810-87.3% | $101,271-85.4% | $158,966-90.7% |
| Participation rate | 41.7% | 79.4%-37.7pp | 75.8%-34.1pp | 82.0%-40.3pp |
| Annual return | 21.69% | 56.15%-34.5pp | 46.48%-24.8pp | 302.95%-281.3pp |
| Employer contribution / active EE | $1,138 | $4,175-72.8% | $3,660-68.9% | $4,762-76.1% |
| Participant deferral / active EE | $2,388 | $4,958-51.8% | $4,371-45.4% | $5,983-60.1% |
| Admin fee / account holder | $11,734 | $7,248+61.9% | $5,948+97.3% | $11,250+4.3% |