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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 | $15,477 | $102,422-84.9% | $147,117-89.5% | $80,959-80.9% |
| Participation rate | 59.5% | 75.9%-16.4pp | 82.2%-22.7pp | 67.7%-8.2pp |
| Annual return | 113.35% | 135.16%-21.8pp | 420.54%-307.2pp | 35.67%+77.7pp |
| Employer contribution / active EE | $2,396 | $3,717-35.6% | $4,932-51.4% | $2,757-13.1% |
| Participant deferral / active EE | $5,235 | $6,652-21.3% | $8,065-35.1% | $4,300+21.7% |
| Admin fee / account holder | $4,400 | $7,953-44.7% | $12,993-66.1% | $6,925-36.5% |