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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 | $43,364 | $76,551-43.4% | $123,894-65.0% | $62,881-31.0% |
| Participation rate | 38.8% | 73.0%-34.2pp | 81.4%-42.6pp | 69.3%-30.5pp |
| Annual return | 9.38% | 18.68%-9.3pp | 47.52%-38.1pp | 20.14%-10.8pp |
| Employer contribution / active EE | $599 | $2,882-79.2% | $4,617-87.0% | $2,281-73.7% |
| Participant deferral / active EE | $1,678 | $4,840-65.3% | $5,984-72.0% | $3,203-47.6% |
| Admin fee / account holder | $7,641 | $4,826+58.3% | $8,357-8.6% | $4,296+77.9% |