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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 | $39,810 | $48,337-17.6% | $67,560-41.1% | $80,959-50.8% |
| Participation rate | 38.3% | 66.4%-28.1pp | 72.9%-34.6pp | 67.7%-29.3pp |
| Annual return | 12.32% | 18.26%-5.9pp | 3533.50%-3521.2pp | 35.67%-23.3pp |
| Employer contribution / active EE | $597 | $2,023-70.5% | $2,737-78.2% | $2,757-78.3% |
| Participant deferral / active EE | $692 | $2,928-76.4% | $4,004-82.7% | $4,300-83.9% |
| Admin fee / account holder | $4,982 | $3,695+34.8% | $3,994+24.7% | $6,925-28.1% |