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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 | $12,721 | $154,193-91.8% | $130,045-90.2% | $139,466-90.9% |
| Participation rate | 58.3% | 82.0%-23.6pp | 78.5%-20.2pp | 80.3%-22.0pp |
| Annual return | 38.45% | 32.51%+5.9pp | -137.30%+175.8pp | 373.66%-335.2pp |
| Employer contribution / active EE | $1,531 | $5,292-71.1% | $4,321-64.6% | $4,754-67.8% |
| Participant deferral / active EE | $2,451 | $6,709-63.5% | $5,820-57.9% | $6,712-63.5% |
| Admin fee / account holder | $1,699 | $13,989-87.9% | $10,600-84.0% | $11,409-85.1% |