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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 | $26,848 | $239,571-88.8% | $183,328-85.4% | $137,256-80.4% |
| Participation rate | 68.8% | 82.4%-13.7pp | 77.3%-8.6pp | 80.0%-11.2pp |
| Annual return | 23.89% | 35.69%-11.8pp | 29.67%-5.8pp | 220.34%-196.4pp |
| Employer contribution / active EE | $9,400 | $6,148+52.9% | $5,055+85.9% | $4,156+126.2% |
| Participant deferral / active EE | $5,842 | $7,995-26.9% | $6,795-14.0% | $6,407-8.8% |
| Admin fee / account holder | $829 | $30,059-97.2% | $21,427-96.1% | $12,270-93.2% |