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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 | $35,072 | $51,466-31.9% | $78,778-55.5% | $62,293-43.7% |
| Participation rate | 16.1% | 59.8%-43.7pp | 69.2%-53.1pp | 69.5%-53.4pp |
| Annual return | 35.87% | 19.96%+15.9pp | 35.62%+0.3pp | 28.90%+7.0pp |
| Employer contribution / active EE | $470 | $827-43.2% | $1,986-76.3% | $2,042-77.0% |
| Participant deferral / active EE | $1,055 | $2,147-50.9% | $2,958-64.3% | $3,169-66.7% |
| Admin fee / account holder | $567 | $489+15.9% | $5,134-89.0% | $479+18.3% |