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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 | $42,776 | $78,425-45.5% | $95,956-55.4% | $79,858-46.4% |
| Participation rate | 51.9% | 73.5%-21.6pp | 77.1%-25.2pp | 69.6%-17.8pp |
| Annual return | 11.98% | 19.37%-7.4pp | 91.63%-79.7pp | 31.72%-19.7pp |
| Employer contribution / active EE | $823 | $1,945-57.7% | $2,541-67.6% | $2,471-66.7% |
| Participant deferral / active EE | $1,045 | $3,440-69.6% | $4,167-74.9% | $3,740-72.1% |
| Admin fee / account holder | $1,064 | $5,622-81.1% | $6,797-84.4% | $5,306-80.0% |