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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 | $21,145 | $72,177-70.7% | $115,038-81.6% | $59,633-64.5% |
| Participation rate | 41.5% | 72.6%-31.0pp | 81.4%-39.8pp | 68.7%-27.1pp |
| Annual return | 12.97% | 12.02%+0.9pp | 26.14%-13.2pp | 2041.45%-2028.5pp |
| Employer contribution / active EE | $1,703 | $2,841-40.1% | $4,608-63.0% | $2,203-22.7% |
| Participant deferral / active EE | $1,593 | $4,783-66.7% | $6,026-73.6% | $3,192-50.1% |
| Admin fee / account holder | $522 | $4,927-89.4% | $8,175-93.6% | $4,297-87.8% |