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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 | $12,616 | $136,860-90.8% | $120,344-89.5% | $154,746-91.8% |
| Participation rate | 58.3% | 79.9%-21.6pp | 76.7%-18.4pp | 80.7%-22.4pp |
| Annual return | 24.99% | 21.38%+3.6pp | 20.30%+4.7pp | 172.34%-147.3pp |
| Employer contribution / active EE | $2,967 | $3,533-16.0% | $3,020-1.7% | $4,379-32.2% |
| Participant deferral / active EE | $4,926 | $5,793-15.0% | $5,135-4.1% | $6,730-26.8% |
| Admin fee / account holder | $3,299 | $15,393-78.6% | $12,742-74.1% | $14,365-77.0% |