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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 | $21,759 | $157,296-86.2% | $141,191-84.6% | $152,897-85.8% |
| Participation rate | 52.4% | 84.8%-32.4pp | 82.5%-30.1pp | 82.5%-30.1pp |
| Annual return | 32.78% | 64.34%-31.6pp | 71.41%-38.6pp | 345.43%-312.6pp |
| Employer contribution / active EE | $1,452 | $5,262-72.4% | $4,736-69.3% | $4,764-69.5% |
| Participant deferral / active EE | $4,111 | $7,111-42.2% | $6,710-38.7% | $5,851-29.7% |
| Admin fee / account holder | $1,003 | $12,125-91.7% | $10,264-90.2% | $11,599-91.4% |