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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 | $15,994 | $105,200-84.8% | $159,474-90.0% | $85,847-81.4% |
| Participation rate | 60.4% | 75.8%-15.4pp | 82.8%-22.4pp | 69.3%-8.9pp |
| Annual return | 16.77% | 45.08%-28.3pp | 263.68%-246.9pp | 318.61%-301.8pp |
| Employer contribution / active EE | $1,728 | $3,319-47.9% | $4,831-64.2% | $2,565-32.6% |
| Participant deferral / active EE | $3,041 | $5,946-48.9% | $7,353-58.7% | $3,952-23.1% |
| Admin fee / account holder | $2,141 | $6,934-69.1% | $10,802-80.2% | $6,261-65.8% |