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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 | $15,760 | $213,785-92.6% | $185,441-91.5% | $155,188-89.8% |
| Participation rate | 54.5% | 83.2%-28.7pp | 80.3%-25.7pp | 80.8%-26.3pp |
| Annual return | 25.39% | 19.97%+5.4pp | 20.16%+5.2pp | 148.84%-123.5pp |
| Employer contribution / active EE | $2,652 | $5,393-50.8% | $4,672-43.2% | $4,248-37.6% |
| Participant deferral / active EE | $3,158 | $6,864-54.0% | $6,152-48.7% | $6,531-51.7% |
| Admin fee / account holder | $3,645 | $21,134-82.8% | $17,890-79.6% | $14,480-74.8% |