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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 | $16,680 | $73,978-77.5% | $96,515-82.7% | $75,173-77.8% |
| Participation rate | 60.0% | 66.4%-6.4pp | 74.3%-14.3pp | 67.2%-7.2pp |
| Annual return | 37.98% | 26.72%+11.3pp | 35.73%+2.2pp | 160.72%-122.7pp |
| Employer contribution / active EE | $2,454 | $2,931-16.3% | $3,740-34.4% | $2,671-8.1% |
| Participant deferral / active EE | $4,759 | $3,660+30.0% | $4,880-2.5% | $4,126+15.3% |
| Admin fee / account holder | $372 | $5,219-92.9% | $6,735-94.5% | $5,651-93.4% |