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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 | $37,811 | $64,359-41.2% | $90,161-58.1% | $70,126-46.1% |
| Participation rate | 54.3% | 70.4%-16.2pp | 76.9%-22.6pp | 69.5%-15.3pp |
| Annual return | 16.79% | 28.13%-11.3pp | 34.89%-18.1pp | 73.15%-56.4pp |
| Employer contribution / active EE | $2,985 | $2,046+45.9% | $3,318-10.0% | $2,343+27.4% |
| Participant deferral / active EE | $799 | $4,389-81.8% | $5,287-84.9% | $3,332-76.0% |
| Admin fee / account holder | $1,584 | $3,945-59.8% | $5,943-73.3% | $4,645-65.9% |