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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 | $24,873 | $209,422-88.1% | $178,503-86.1% | $158,982-84.4% |
| Participation rate | 55.6% | 86.4%-30.8pp | 81.9%-26.4pp | 82.0%-26.4pp |
| Annual return | 11.92% | 188.81%-176.9pp | 151.12%-139.2pp | 302.99%-291.1pp |
| Employer contribution / active EE | $1,978 | $5,707-65.3% | $5,011-60.5% | $4,763-58.5% |
| Participant deferral / active EE | $4,787 | $5,955-19.6% | $5,202-8.0% | $5,983-20.0% |
| Admin fee / account holder | $6,955 | $17,079-59.3% | $13,987-50.3% | $11,252-38.2% |