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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 | $40,125 | $86,940-53.8% | $102,434-60.8% | $80,935-50.4% |
| Participation rate | 55.2% | 72.4%-17.2pp | 76.5%-21.3pp | 67.7%-12.5pp |
| Annual return | 10.70% | 18.89%-8.2pp | 29.46%-18.8pp | 35.66%-25.0pp |
| Employer contribution / active EE | $986 | $2,370-58.4% | $3,023-67.4% | $2,757-64.2% |
| Participant deferral / active EE | $1,806 | $4,121-56.2% | $5,055-64.3% | $4,299-58.0% |
| Admin fee / account holder | $4,481 | $8,047-44.3% | $9,462-52.6% | $6,924-35.3% |