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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 | $13,479 | $59,467-77.3% | $93,727-85.6% | $74,478-81.9% |
| Participation rate | 49.6% | 59.6%-10.0pp | 68.7%-19.1pp | 67.2%-17.6pp |
| Annual return | 66.71% | 82.14%-15.4pp | 133.83%-67.1pp | 1370.56%-1303.9pp |
| Employer contribution / active EE | $1,328 | $1,267+4.9% | $2,421-45.1% | $2,626-49.4% |
| Participant deferral / active EE | $1,946 | $3,052-36.2% | $4,417-55.9% | $4,350-55.3% |
| Admin fee / account holder | $1,430 | $3,028-52.8% | $8,292-82.8% | $1,946-26.5% |