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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 | $7,615 | $154,159-95.1% | $130,026-94.1% | $139,456-94.5% |
| Participation rate | 33.3% | 82.0%-48.6pp | 78.5%-45.2pp | 80.3%-47.0pp |
| Annual return | 32.06% | 32.50%-0.4pp | -137.26%+169.3pp | 373.45%-341.4pp |
| Employer contribution / active EE | $2,747 | $5,292-48.1% | $4,321-36.4% | $4,753-42.2% |
| Participant deferral / active EE | $3,221 | $6,710-52.0% | $5,821-44.7% | $6,711-52.0% |
| Admin fee / account holder | $4,984 | $14,001-64.4% | $10,608-53.0% | $11,407-56.3% |