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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 | $19,358 | $198,457-90.2% | $170,435-88.6% | $147,586-86.9% |
| Participation rate | 61.5% | 88.0%-26.4pp | 83.6%-22.1pp | 82.8%-21.3pp |
| Annual return | 15.24% | 257.30%-242.1pp | 205.94%-190.7pp | 578.59%-563.4pp |
| Employer contribution / active EE | $1,991 | $6,183-67.8% | $5,432-63.4% | $4,876-59.2% |
| Participant deferral / active EE | $4,129 | $5,629-26.7% | $4,939-16.4% | $5,439-24.1% |
| Admin fee / account holder | $321 | $16,852-98.1% | $13,881-97.7% | $10,886-97.0% |