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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 | $22,966 | $105,198-78.2% | $159,455-85.6% | $85,856-73.3% |
| Participation rate | 50.0% | 75.8%-25.8pp | 82.8%-32.8pp | 69.3%-19.3pp |
| Annual return | 16.53% | 45.08%-28.5pp | 263.63%-247.1pp | 318.58%-302.1pp |
| Employer contribution / active EE | $1,189 | $3,319-64.2% | $4,830-75.4% | $2,565-53.7% |
| Participant deferral / active EE | $3,408 | $5,946-42.7% | $7,353-53.7% | $3,952-13.8% |
| Admin fee / account holder | $3,646 | $6,934-47.4% | $10,800-66.2% | $6,261-41.8% |