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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 | $43,587 | $49,138-11.3% | $84,021-48.1% | $65,185-33.1% |
| Participation rate | 10.9% | 60.7%-49.9pp | 69.0%-58.1pp | 70.2%-59.3pp |
| Annual return | 42.68% | 23.00%+19.7pp | 71.32%-28.6pp | 29.38%+13.3pp |
| Employer contribution / active EE | $0 | $914-100.0% | $1,984-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $295 | $2,397-87.7% | $3,239-90.9% | $3,514-91.6% |
| Admin fee / account holder | $2,718 | $543+400.2% | $6,102-55.5% | $847+220.8% |