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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 | $45,174 | $62,672-27.9% | $185,117-75.6% | $70,124-35.6% |
| Participation rate | 16.2% | 63.8%-47.6pp | 77.3%-61.0pp | 69.5%-53.3pp |
| Annual return | 14.68% | 40.79%-26.1pp | 40.50%-25.8pp | 73.14%-58.5pp |
| Employer contribution / active EE | $0 | $1,753-100.0% | $4,182-100.0% | $2,342-100.0% |
| Participant deferral / active EE | $333 | $3,272-89.8% | $5,045-93.4% | $3,332-90.0% |
| Admin fee / account holder | $1,271 | $3,932-67.7% | $8,159-84.4% | $4,645-72.6% |