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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 | $16,783 | $126,661-86.7% | $113,397-85.2% | $138,895-87.9% |
| Participation rate | 60.0% | 79.4%-19.4pp | 76.5%-16.5pp | 79.9%-19.9pp |
| Annual return | 26.81% | 25.05%+1.8pp | 23.20%+3.6pp | 145.39%-118.6pp |
| Employer contribution / active EE | $1,845 | $3,456-46.6% | $2,977-38.0% | $4,194-56.0% |
| Participant deferral / active EE | $10,809 | $5,693+89.9% | $5,076+112.9% | $6,396+69.0% |
| Admin fee / account holder | $15,950 | $14,549+9.6% | $11,957+33.4% | $12,562+27.0% |