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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 | $18,598 | $226,105-91.8% | $182,540-89.8% | $152,897-87.8% |
| Participation rate | 43.8% | 82.5%-38.7pp | 78.0%-34.2pp | 82.5%-38.7pp |
| Annual return | 21.50% | 192.58%-171.1pp | 148.58%-127.1pp | 345.43%-323.9pp |
| Employer contribution / active EE | $622 | $4,978-87.5% | $4,076-84.8% | $4,764-87.0% |
| Participant deferral / active EE | $1,881 | $6,370-70.5% | $5,525-66.0% | $5,851-67.8% |
| Admin fee / account holder | $3,457 | $10,706-67.7% | $8,593-59.8% | $11,599-70.2% |