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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 | $16,948 | $176,105-90.4% | $159,474-89.4% | $167,536-89.9% |
| Participation rate | 62.5% | 85.0%-22.5pp | 82.8%-20.3pp | 82.1%-19.6pp |
| Annual return | 19.25% | 331.91%-312.7pp | 263.68%-244.4pp | 478.82%-459.6pp |
| Employer contribution / active EE | $1,235 | $5,299-76.7% | $4,831-74.4% | $4,839-74.5% |
| Participant deferral / active EE | $2,843 | $7,751-63.3% | $7,353-61.3% | $6,342-55.2% |
| Admin fee / account holder | $599 | $12,559-95.2% | $10,802-94.5% | $12,315-95.1% |