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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 | $15,764 | $106,918-85.3% | $84,021-81.2% | $152,897-89.7% |
| Participation rate | 37.5% | 75.2%-37.7pp | 69.0%-31.5pp | 82.5%-45.0pp |
| Annual return | 168.62% | 105.01%+63.6pp | 71.32%+97.3pp | 345.43%-176.8pp |
| Employer contribution / active EE | $0 | $2,735-100.0% | $1,984-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $4,265 | $4,012+6.3% | $3,239+31.7% | $5,851-27.1% |
| Admin fee / account holder | $1,386 | $8,288-83.3% | $6,102-77.3% | $11,599-88.1% |