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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 | $27,164 | $80,763-66.4% | $102,412-73.5% | $74,459-63.5% |
| Participation rate | 56.3% | 65.7%-9.4pp | 74.5%-18.2pp | 67.2%-10.9pp |
| Annual return | 19.53% | 27.57%-8.0pp | 24.94%-5.4pp | 1369.70%-1350.2pp |
| Employer contribution / active EE | $2,435 | $3,160-22.9% | $3,870-37.1% | $2,626-7.3% |
| Participant deferral / active EE | $5,729 | $3,862+48.3% | $5,060+13.2% | $4,350+31.7% |
| Admin fee / account holder | $3,075 | $2,371+29.7% | $8,388-63.3% | $1,945+58.1% |