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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 | $48,137 | $108,825-55.8% | $156,181-69.2% | $82,448-41.6% |
| Participation rate | 37.9% | 72.4%-34.4pp | 78.8%-40.9pp | 68.1%-30.1pp |
| Annual return | 17.92% | 20.59%-2.7pp | 64.87%-47.0pp | 41.64%-23.7pp |
| Employer contribution / active EE | $1,151 | $2,870-59.9% | $4,294-73.2% | $2,551-54.9% |
| Participant deferral / active EE | $1,669 | $4,577-63.5% | $6,132-72.8% | $4,139-59.7% |
| Admin fee / account holder | $2,347 | $9,341-74.9% | $14,586-83.9% | $7,234-67.6% |