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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 | $15,692 | $148,629-89.4% | $135,982-88.5% | $139,487-88.8% |
| Participation rate | 56.3% | 83.9%-27.6pp | 81.9%-25.7pp | 80.3%-24.1pp |
| Annual return | 21.84% | 79.33%-57.5pp | 68.32%-46.5pp | 373.84%-352.0pp |
| Employer contribution / active EE | $1,218 | $5,247-76.8% | $4,859-74.9% | $4,755-74.4% |
| Participant deferral / active EE | $2,702 | $8,102-66.7% | $7,760-65.2% | $6,713-59.7% |
| Admin fee / account holder | $5,119 | $12,406-58.7% | $10,767-52.5% | $11,407-55.1% |