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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 | $12,864 | $175,259-92.7% | $149,723-91.4% | $139,487-90.8% |
| Participation rate | 64.7% | 83.4%-18.7pp | 78.8%-14.1pp | 80.3%-15.6pp |
| Annual return | 17.52% | 166.82%-149.3pp | 134.50%-117.0pp | 373.84%-356.3pp |
| Employer contribution / active EE | $1,986 | $5,478-63.7% | $4,821-58.8% | $4,755-58.2% |
| Participant deferral / active EE | $3,607 | $6,522-44.7% | $5,682-36.5% | $6,713-46.3% |
| Admin fee / account holder | $2,925 | $16,158-81.9% | $13,215-77.9% | $11,407-74.4% |