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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $45,083 | $83,485-46.0% | $125,195-64.0% | $72,976-38.2% |
| Participation rate | 20.5% | 73.3%-52.8pp | 79.8%-59.3pp | 69.5%-49.0pp |
| Annual return | 24.07% | 25.77%-1.7pp | 43.79%-19.7pp | 81.02%-56.9pp |
| Employer contribution / active EE | $819 | $2,346-65.1% | $3,866-78.8% | $2,440-66.4% |
| Participant deferral / active EE | $1,542 | $3,586-57.0% | $4,937-68.8% | $3,608-57.3% |
| Admin fee / account holder | $379 | $5,518-93.1% | $9,704-96.1% | $5,124-92.6% |