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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 | $19,728 | $91,525-78.4% | $130,026-84.8% | $75,181-73.8% |
| Participation rate | 46.0% | 71.4%-25.4pp | 78.5%-32.5pp | 67.2%-21.2pp |
| Annual return | 32.85% | -631.40%+664.2pp | -137.26%+170.1pp | 160.69%-127.8pp |
| Employer contribution / active EE | $2,553 | $2,844-10.2% | $4,321-40.9% | $2,671-4.4% |
| Participant deferral / active EE | $4,646 | $4,342+7.0% | $5,821-20.2% | $4,126+12.6% |
| Admin fee / account holder | $925 | $6,778-86.4% | $10,608-91.3% | $5,650-83.6% |