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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 | $20,275 | $102,393-80.2% | $147,041-86.2% | $80,911-74.9% |
| Participation rate | 53.3% | 75.9%-22.5pp | 82.2%-28.8pp | 67.6%-14.3pp |
| Annual return | 19.92% | 134.95%-115.0pp | 419.21%-399.3pp | 35.63%-15.7pp |
| Employer contribution / active EE | $1,799 | $3,715-51.6% | $4,935-63.6% | $2,756-34.7% |
| Participant deferral / active EE | $4,621 | $6,647-30.5% | $8,071-42.7% | $4,297+7.5% |
| Admin fee / account holder | $424 | $7,943-94.7% | $13,006-96.7% | $6,935-93.9% |