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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 | $43,248 | $64,359-32.8% | $90,161-52.0% | $70,126-38.3% |
| Participation rate | 22.9% | 70.4%-47.6pp | 76.9%-54.0pp | 69.5%-46.7pp |
| Annual return | 14.58% | 28.13%-13.6pp | 34.89%-20.3pp | 73.15%-58.6pp |
| Employer contribution / active EE | $0 | $2,046-100.0% | $3,318-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,376 | $4,389-68.6% | $5,287-74.0% | $3,332-58.7% |
| Admin fee / account holder | $1,320 | $3,945-66.5% | $5,943-77.8% | $4,645-71.6% |