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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 | $15,538 | $118,695-86.9% | $98,916-84.3% | $158,950-90.2% |
| Participation rate | 60.0% | 77.8%-17.8pp | 76.0%-16.0pp | 82.0%-22.0pp |
| Annual return | 17.41% | 372.39%-355.0pp | 196.45%-179.0pp | 302.91%-285.5pp |
| Employer contribution / active EE | $1,082 | $3,333-67.5% | $2,689-59.8% | $4,762-77.3% |
| Participant deferral / active EE | $5,552 | $5,088+9.1% | $4,245+30.8% | $5,983-7.2% |
| Admin fee / account holder | $838 | $10,132-91.7% | $6,642-87.4% | $11,248-92.5% |