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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 | $19,305 | $135,639-85.8% | $110,241-82.5% | $135,382-85.7% |
| Participation rate | 60.9% | 83.5%-22.6pp | 79.8%-19.0pp | 82.6%-21.8pp |
| Annual return | -7.41% | 513.21%-520.6pp | 314.75%-322.2pp | 519.77%-527.2pp |
| Employer contribution / active EE | $3,699 | $4,907-24.6% | $3,827-3.3% | $4,779-22.6% |
| Participant deferral / active EE | $6,972 | $5,507+26.6% | $4,672+49.2% | $5,609+24.3% |
| Admin fee / account holder | $2,679 | $11,457-76.6% | $8,548-68.7% | $10,829-75.3% |