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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 | $35,025 | $115,931-69.8% | $185,441-81.1% | $86,983-59.7% |
| Participation rate | 66.7% | 73.6%-7.0pp | 80.3%-13.6pp | 69.5%-2.9pp |
| Annual return | 25.34% | 21.47%+3.9pp | 20.16%+5.2pp | 25.83%-0.5pp |
| Employer contribution / active EE | $2,236 | $2,937-23.9% | $4,672-52.1% | $2,584-13.5% |
| Participant deferral / active EE | $5,243 | $4,551+15.2% | $6,152-14.8% | $4,194+25.0% |
| Admin fee / account holder | $3,586 | $10,687-66.4% | $17,890-80.0% | $7,856-54.3% |