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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 | $21,729 | $165,361-86.9% | $149,715-85.5% | $158,950-86.3% |
| Participation rate | 53.3% | 84.6%-31.2pp | 82.5%-29.1pp | 82.0%-28.6pp |
| Annual return | 30.50% | 348.24%-317.7pp | 276.66%-246.2pp | 302.91%-272.4pp |
| Employer contribution / active EE | $2,272 | $5,103-55.5% | $4,645-51.1% | $4,762-52.3% |
| Participant deferral / active EE | $7,866 | $7,182+9.5% | $6,842+15.0% | $5,983+31.5% |
| Admin fee / account holder | $4,607 | $10,808-57.4% | $9,310-50.5% | $11,248-59.0% |