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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 | $16,345 | $154,193-89.4% | $130,045-87.4% | $139,466-88.3% |
| Participation rate | 60.0% | 82.0%-22.0pp | 78.5%-18.5pp | 80.3%-20.3pp |
| Annual return | 21.18% | 32.51%-11.3pp | -137.30%+158.5pp | 373.66%-352.5pp |
| Employer contribution / active EE | $1,459 | $5,292-72.4% | $4,321-66.2% | $4,754-69.3% |
| Participant deferral / active EE | $6,875 | $6,709+2.5% | $5,820+18.1% | $6,712+2.4% |
| Admin fee / account holder | $1,610 | $13,989-88.5% | $10,600-84.8% | $11,409-85.9% |