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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 | $24,770 | $209,425-88.2% | $178,499-86.1% | $158,966-84.4% |
| Participation rate | 58.3% | 86.4%-28.0pp | 81.9%-23.6pp | 82.0%-23.6pp |
| Annual return | 7.91% | 188.80%-180.9pp | 151.10%-143.2pp | 302.95%-295.0pp |
| Employer contribution / active EE | $2,432 | $5,707-57.4% | $5,011-51.5% | $4,762-48.9% |
| Participant deferral / active EE | $6,499 | $5,955+9.1% | $5,202+24.9% | $5,983+8.6% |
| Admin fee / account holder | $18,066 | $17,078+5.8% | $13,986+29.2% | $11,250+60.6% |