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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 | $21,306 | $65,072-67.3% | $66,439-67.9% | $65,306-67.4% |
| Participation rate | 24.1% | 69.1%-45.0pp | 74.5%-50.4pp | 57.7%-33.6pp |
| Annual return | 18.58% | 21.50%-2.9pp | 757.66%-739.1pp | 21.94%-3.4pp |
| Employer contribution / active EE | $0 | $2,475-100.0% | $2,637-100.0% | $1,967-100.0% |
| Participant deferral / active EE | $1,399 | $3,234-56.7% | $3,876-63.9% | $2,959-52.7% |
| Admin fee / account holder | $771 | $1,323-41.7% | $6,173-87.5% | $3,480-77.8% |