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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 | $48,116 | $72,486-33.6% | $87,103-44.8% | $72,976-34.1% |
| Participation rate | 37.6% | 72.8%-35.2pp | 76.9%-39.2pp | 69.5%-31.9pp |
| Annual return | 22.01% | 24.46%-2.4pp | 28.19%-6.2pp | 81.02%-59.0pp |
| Employer contribution / active EE | $1,114 | $1,894-41.2% | $2,521-55.8% | $2,440-54.3% |
| Participant deferral / active EE | $1,324 | $3,270-59.5% | $4,049-67.3% | $3,608-63.3% |
| Admin fee / account holder | $664 | $5,055-86.9% | $7,491-91.1% | $5,124-87.0% |