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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 | $16,347 | $75,058-78.2% | $152,301-89.3% | $64,340-74.6% |
| Participation rate | 66.0% | 60.9%+5.1pp | 82.4%-16.4pp | 55.2%+10.8pp |
| Annual return | 173.04% | 29.93%+143.1pp | 80.50%+92.5pp | 24.14%+148.9pp |
| Employer contribution / active EE | $0 | $2,605-100.0% | $4,624-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $1,847 | $5,041-63.4% | $8,004-76.9% | $2,980-38.0% |
| Admin fee / account holder | $496 | $4,050-87.8% | $14,398-96.6% | $3,703-86.6% |