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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 | $36,547 | $275,752-86.7% | $256,809-85.8% | $198,609-81.6% |
| Participation rate | 55.6% | 89.2%-33.6pp | 88.5%-33.0pp | 82.4%-26.8pp |
| Annual return | 16.05% | 34.81%-18.8pp | 32.73%-16.7pp | 202.70%-186.6pp |
| Employer contribution / active EE | $11,187 | $7,721+44.9% | $7,263+54.0% | $5,055+121.3% |
| Participant deferral / active EE | $6,415 | $10,037-36.1% | $9,520-32.6% | $6,977-8.1% |
| Admin fee / account holder | $59,813 | $25,716+132.6% | $25,146+137.9% | $19,030+214.3% |