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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 | $15,784 | $102,422-84.6% | $147,117-89.3% | $80,959-80.5% |
| Participation rate | 33.3% | 75.9%-42.5pp | 82.2%-48.9pp | 67.7%-34.3pp |
| Annual return | 15.29% | 135.16%-119.9pp | 420.54%-405.3pp | 35.67%-20.4pp |
| Employer contribution / active EE | $1,501 | $3,717-59.6% | $4,932-69.6% | $2,757-45.6% |
| Participant deferral / active EE | $2,831 | $6,652-57.4% | $8,065-64.9% | $4,300-34.2% |
| Admin fee / account holder | $3,994 | $7,953-49.8% | $12,993-69.3% | $6,925-42.3% |