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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 | $148,540 | $263,436-43.6% | $305,030-51.3% | $254,173-41.6% |
| Participation rate | 57.1% | 47.8%+9.4pp | 44.7%+12.4pp | 43.0%+14.1pp |
| Annual return | 33.16% | 288.76%-255.6pp | 380.66%-347.5pp | 259.17%-226.0pp |
| Employer contribution / active EE | $42,857 | $47,316-9.4% | $45,083-4.9% | $41,471+3.3% |
| Participant deferral / active EE | $0 | $279-100.0% | $272-100.0% | $153-100.0% |
| Admin fee / account holder | $322 | $13,313-97.6% | $12,800-97.5% | $21,502-98.5% |