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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 | $18,043 | $64,176-71.9% | $112,263-83.9% | $66,949-73.0% |
| Participation rate | 46.7% | 68.4%-21.8pp | 75.1%-28.4pp | 69.8%-23.2pp |
| Annual return | 362.89% | -13.80%+376.7pp | 27.49%+335.4pp | 1.57%+361.3pp |
| Employer contribution / active EE | $2,174 | $3,007-27.7% | $3,636-40.2% | $2,545-14.6% |
| Participant deferral / active EE | $2,898 | $3,694-21.5% | $4,729-38.7% | $4,239-31.6% |
| Admin fee / account holder | $538 | $626-14.1% | $6,410-91.6% | $594-9.4% |