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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 | $23,929 | $183,988-87.0% | $162,177-85.2% | $152,897-84.3% |
| Participation rate | 33.3% | 88.5%-55.2pp | 87.6%-54.2pp | 82.5%-49.1pp |
| Annual return | 14.02% | 150.79%-136.8pp | 115.60%-101.6pp | 345.43%-331.4pp |
| Employer contribution / active EE | $2,517 | $6,370-60.5% | $5,613-55.2% | $4,764-47.2% |
| Participant deferral / active EE | $4,216 | $8,032-47.5% | $7,297-42.2% | $5,851-27.9% |
| Admin fee / account holder | $1,593 | $13,123-87.9% | $10,843-85.3% | $11,599-86.3% |