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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 | $43,278 | $81,331-46.8% | $155,534-72.2% | $80,935-46.5% |
| Participation rate | 69.5% | 66.3%+3.3pp | 78.2%-8.7pp | 67.7%+1.9pp |
| Annual return | 12.33% | 33.37%-21.0pp | 64.92%-52.6pp | 35.66%-23.3pp |
| Employer contribution / active EE | $558 | $3,105-82.0% | $4,675-88.1% | $2,757-79.7% |
| Participant deferral / active EE | $848 | $3,454-75.5% | $5,630-84.9% | $4,299-80.3% |
| Admin fee / account holder | $666 | $7,999-91.7% | $15,900-95.8% | $6,924-90.4% |