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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 | $48,307 | $58,627-17.6% | $76,735-37.0% | $82,448-41.4% |
| Participation rate | 46.7% | 63.2%-16.6pp | 69.5%-22.8pp | 68.1%-21.4pp |
| Annual return | 13.98% | 39.10%-25.1pp | 29.77%-15.8pp | 41.64%-27.7pp |
| Employer contribution / active EE | $728 | $1,729-57.9% | $2,454-70.3% | $2,551-71.4% |
| Participant deferral / active EE | $981 | $3,134-68.7% | $4,088-76.0% | $4,139-76.3% |
| Admin fee / account holder | $1,141 | $5,323-78.6% | $7,189-84.1% | $7,234-84.2% |