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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 | $55,319 | $57,108-3.1% | $94,229-41.3% | $52,331+5.7% |
| Participation rate | 38.4% | 72.9%-34.5pp | 78.8%-40.4pp | 68.1%-29.7pp |
| Annual return | 0.96% | 1.47%-0.5pp | 10.68%-9.7pp | 4.54%-3.6pp |
| Employer contribution / active EE | $0 | $1,735-100.0% | $3,587-100.0% | $1,882-100.0% |
| Participant deferral / active EE | $1,405 | $3,040-53.8% | $4,320-67.5% | $3,022-53.5% |
| Admin fee / account holder | $669 | $546+22.5% | $6,269-89.3% | $592+13.1% |