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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 | $38,158 | $32,037+19.1% | $69,182-44.8% | $62,881-39.3% |
| Participation rate | 10.0% | 43.4%-33.4pp | 55.1%-45.1pp | 69.3%-59.3pp |
| Annual return | 9.08% | 15.16%-6.1pp | -21.93%+31.0pp | 20.14%-11.1pp |
| Employer contribution / active EE | $0 | $679-100.0% | $1,206-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $292 | $1,185-75.4% | $1,897-84.6% | $3,203-90.9% |
| Admin fee / account holder | $2,613 | $2,608+0.2% | $2,697-3.1% | $4,296-39.2% |