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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 | $20,341 | $144,124-85.9% | $117,857-82.7% | $147,585-86.2% |
| Participation rate | 60.0% | 83.4%-23.4pp | 79.7%-19.7pp | 82.8%-22.8pp |
| Annual return | 40.28% | 531.17%-490.9pp | 335.09%-294.8pp | 578.57%-538.3pp |
| Employer contribution / active EE | $1,355 | $4,897-72.3% | $3,786-64.2% | $4,876-72.2% |
| Participant deferral / active EE | $3,676 | $5,316-30.9% | $4,482-18.0% | $5,439-32.4% |
| Admin fee / account holder | $3,809 | $10,886-65.0% | $8,020-52.5% | $10,885-65.0% |