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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 | $16,347 | $105,200-84.5% | $159,474-89.7% | $85,847-81.0% |
| Participation rate | 69.4% | 75.8%-6.4pp | 82.8%-13.4pp | 69.3%+0.1pp |
| Annual return | 18.57% | 45.08%-26.5pp | 263.68%-245.1pp | 318.61%-300.0pp |
| Employer contribution / active EE | $0 | $3,319-100.0% | $4,831-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $5,472 | $5,946-8.0% | $7,353-25.6% | $3,952+38.4% |
| Admin fee / account holder | $3,239 | $6,934-53.3% | $10,802-70.0% | $6,261-48.3% |