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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 | $50,037 | $78,423-36.2% | $95,964-47.9% | $79,856-37.3% |
| Participation rate | 41.9% | 73.5%-31.6pp | 77.1%-35.1pp | 69.6%-27.7pp |
| Annual return | 15.69% | 19.37%-3.7pp | 91.64%-76.0pp | 31.71%-16.0pp |
| Employer contribution / active EE | $614 | $1,945-68.4% | $2,541-75.8% | $2,471-75.1% |
| Participant deferral / active EE | $1,082 | $3,440-68.5% | $4,167-74.0% | $3,741-71.1% |
| Admin fee / account holder | $5,999 | $5,622+6.7% | $6,797-11.7% | $5,306+13.1% |