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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 | $4,981 | $176,402-97.2% | $134,162-96.3% | $158,982-96.9% |
| Participation rate | 41.7% | 78.7%-37.1pp | 72.2%-30.5pp | 82.0%-40.3pp |
| Annual return | 16.96% | 63.66%-46.7pp | 36.35%-19.4pp | 302.99%-286.0pp |
| Employer contribution / active EE | $1,811 | $5,042-64.1% | $3,705-51.1% | $4,763-62.0% |
| Participant deferral / active EE | $4,425 | $4,093+8.1% | $3,500+26.4% | $5,983-26.1% |
| Admin fee / account holder | $17,396 | $8,719+99.5% | $6,685+160.2% | $11,252+54.6% |