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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 | $12,648 | $49,138-74.3% | $84,021-84.9% | $65,185-80.6% |
| Participation rate | 30.4% | 60.7%-30.4pp | 69.0%-38.6pp | 70.2%-39.8pp |
| Annual return | 26.62% | 23.00%+3.6pp | 71.32%-44.7pp | 29.38%-2.8pp |
| Employer contribution / active EE | $0 | $914-100.0% | $1,984-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $1,573 | $2,397-34.4% | $3,239-51.4% | $3,514-55.2% |
| Admin fee / account holder | $2,011 | $543+270.1% | $6,102-67.0% | $847+137.4% |