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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 | $18,168 | $227,399-92.0% | $189,758-90.4% | $198,609-90.9% |
| Participation rate | 54.2% | 84.0%-29.8pp | 79.8%-25.6pp | 82.4%-28.2pp |
| Annual return | 16.47% | 61.03%-44.6pp | 52.62%-36.1pp | 202.70%-186.2pp |
| Employer contribution / active EE | $2,162 | $5,526-60.9% | $4,767-54.6% | $5,055-57.2% |
| Participant deferral / active EE | $4,015 | $6,837-41.3% | $5,856-31.4% | $6,977-42.5% |
| Admin fee / account holder | $1,774 | $25,162-92.9% | $20,388-91.3% | $19,030-90.7% |