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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 | $20,708 | $103,387-80.0% | $87,102-76.2% | $152,885-86.5% |
| Participation rate | 60.0% | 79.4%-19.4pp | 76.9%-16.9pp | 82.5%-22.5pp |
| Annual return | 61.09% | 28.10%+33.0pp | 28.19%+32.9pp | 345.39%-284.3pp |
| Employer contribution / active EE | $4,586 | $3,221+42.4% | $2,521+81.9% | $4,763-3.7% |
| Participant deferral / active EE | $8,882 | $4,778+85.9% | $4,048+119.4% | $5,851+51.8% |
| Admin fee / account holder | $2,701 | $12,193-77.9% | $7,491-63.9% | $11,598-76.7% |