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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 | $48,757 | $86,949-43.9% | $102,460-52.4% | $80,959-39.8% |
| Participation rate | 51.0% | 72.4%-21.4pp | 76.5%-25.5pp | 67.7%-16.7pp |
| Annual return | 11.84% | 18.89%-7.1pp | 29.47%-17.6pp | 35.67%-23.8pp |
| Employer contribution / active EE | $1,019 | $2,370-57.0% | $3,025-66.3% | $2,757-63.1% |
| Participant deferral / active EE | $1,820 | $4,121-55.8% | $5,056-64.0% | $4,300-57.7% |
| Admin fee / account holder | $558 | $8,048-93.1% | $9,460-94.1% | $6,925-91.9% |