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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 | $40,673 | $63,456-35.9% | $100,712-59.6% | $64,097-36.5% |
| Participation rate | 19.1% | 49.7%-30.5pp | 69.3%-50.2pp | 55.2%-36.1pp |
| Annual return | 17.75% | 19.65%-1.9pp | 33.27%-15.5pp | 34.64%-16.9pp |
| Employer contribution / active EE | $290 | $1,003-71.0% | $2,313-87.4% | $1,891-84.7% |
| Participant deferral / active EE | $601 | $2,463-75.6% | $4,085-85.3% | $3,080-80.5% |
| Admin fee / account holder | $1,705 | $4,808-64.5% | $9,256-81.6% | $3,454-50.7% |