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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 | $54,188 | $239,436-77.4% | $227,282-76.2% | $286,788-81.1% |
| Participation rate | 55.6% | 42.0%+13.6pp | 35.4%+20.2pp | 37.6%+17.9pp |
| Annual return | 14583.00% | 10.53%+14572.5pp | 10.75%+14572.3pp | 9.30%+14573.7pp |
| Employer contribution / active EE | $28,473 | $37,410-23.9% | $35,170-19.0% | $43,748-34.9% |
| Participant deferral / active EE | $0 | $82-100.0% | $82-100.0% | $83-100.0% |
| Admin fee / account holder | $354 | $4,800-92.6% | $4,611-92.3% | $12,596-97.2% |