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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 | $22,232 | $165,361-86.6% | $149,715-85.2% | $158,950-86.0% |
| Participation rate | 40.0% | 84.6%-44.6pp | 82.5%-42.5pp | 82.0%-42.0pp |
| Annual return | 16.58% | 348.24%-331.7pp | 276.66%-260.1pp | 302.91%-286.3pp |
| Employer contribution / active EE | $2,154 | $5,103-57.8% | $4,645-53.6% | $4,762-54.8% |
| Participant deferral / active EE | $3,037 | $7,182-57.7% | $6,842-55.6% | $5,983-49.2% |
| Admin fee / account holder | $4,059 | $10,808-62.4% | $9,310-56.4% | $11,248-63.9% |