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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 | $25,433 | $152,592-83.3% | $125,180-79.7% | $152,885-83.4% |
| Participation rate | 54.5% | 83.3%-28.8pp | 79.8%-25.2pp | 82.5%-27.9pp |
| Annual return | 23.75% | 54.84%-31.1pp | 43.79%-20.0pp | 345.39%-321.6pp |
| Employer contribution / active EE | $5,200 | $4,947+5.1% | $3,866+34.5% | $4,763+9.2% |
| Participant deferral / active EE | $7,259 | $5,868+23.7% | $4,937+47.0% | $5,851+24.1% |
| Admin fee / account holder | $10,420 | $13,435-22.4% | $9,703+7.4% | $11,598-10.2% |