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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 | $15,630 | $176,105-91.1% | $159,474-90.2% | $167,536-90.7% |
| Participation rate | 50.0% | 85.0%-35.0pp | 82.8%-32.8pp | 82.1%-32.1pp |
| Annual return | 93.84% | 331.91%-238.1pp | 263.68%-169.8pp | 478.82%-385.0pp |
| Employer contribution / active EE | $4,091 | $5,299-22.8% | $4,831-15.3% | $4,839-15.5% |
| Participant deferral / active EE | $7,411 | $7,751-4.4% | $7,353+0.8% | $6,342+16.9% |
| Admin fee / account holder | $763 | $12,559-93.9% | $10,802-92.9% | $12,315-93.8% |