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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 | $25,461 | $160,059-84.1% | $140,019-81.8% | $135,379-81.2% |
| Participation rate | 50.0% | 88.5%-38.5pp | 87.5%-37.5pp | 82.6%-32.6pp |
| Annual return | -6.18% | 911.44%-917.6pp | 651.15%-657.3pp | 519.79%-526.0pp |
| Employer contribution / active EE | $1,800 | $6,420-72.0% | $5,605-67.9% | $4,779-62.3% |
| Participant deferral / active EE | $3,599 | $7,641-52.9% | $6,927-48.0% | $5,609-35.8% |
| Admin fee / account holder | $2,564 | $13,328-80.8% | $10,705-76.0% | $10,828-76.3% |