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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 | $10,711 | $160,040-93.3% | $147,096-92.7% | $145,877-92.7% |
| Participation rate | 10.0% | 84.0%-74.0pp | 82.2%-72.2pp | 80.3%-70.3pp |
| Annual return | 13.20% | 98.49%-85.3pp | 419.75%-406.5pp | 551.28%-538.1pp |
| Employer contribution / active EE | $1,768 | $5,289-66.6% | $4,936-64.2% | $4,663-62.1% |
| Participant deferral / active EE | $3,830 | $8,429-54.6% | $8,071-52.6% | $6,691-42.8% |
| Admin fee / account holder | $2,309 | $15,050-84.7% | $13,005-82.2% | $13,402-82.8% |