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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 | $20,278 | $209,425-90.3% | $178,499-88.6% | $158,966-87.2% |
| Participation rate | 50.0% | 86.4%-36.4pp | 81.9%-31.9pp | 82.0%-32.0pp |
| Annual return | 15.13% | 188.80%-173.7pp | 151.10%-136.0pp | 302.95%-287.8pp |
| Employer contribution / active EE | $1,306 | $5,707-77.1% | $5,011-73.9% | $4,762-72.6% |
| Participant deferral / active EE | $2,950 | $5,955-50.5% | $5,202-43.3% | $5,983-50.7% |
| Admin fee / account holder | $4,543 | $17,078-73.4% | $13,986-67.5% | $11,250-59.6% |