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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 | $27,821 | $144,130-80.7% | $117,861-76.4% | $147,586-81.1% |
| Participation rate | 60.0% | 83.4%-23.4pp | 79.7%-19.7pp | 82.8%-22.8pp |
| Annual return | 76.72% | 531.20%-454.5pp | 335.11%-258.4pp | 578.59%-501.9pp |
| Employer contribution / active EE | $2,242 | $4,897-54.2% | $3,786-40.8% | $4,876-54.0% |
| Participant deferral / active EE | $4,507 | $5,316-15.2% | $4,482+0.6% | $5,439-17.1% |
| Admin fee / account holder | $372 | $10,887-96.6% | $8,021-95.4% | $10,886-96.6% |