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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 | $39,031 | $67,411-42.1% | $91,004-57.1% | $70,126-44.3% |
| Participation rate | 69.9% | 71.4%-1.5pp | 75.6%-5.7pp | 69.5%+0.3pp |
| Annual return | 14.66% | -40.16%+54.8pp | 4.60%+10.1pp | 73.15%-58.5pp |
| Employer contribution / active EE | $1,403 | $1,786-21.4% | $2,456-42.9% | $2,343-40.1% |
| Participant deferral / active EE | $1,035 | $2,823-63.3% | $3,548-70.8% | $3,332-68.9% |
| Admin fee / account holder | $5,262 | $4,236+24.2% | $5,417-2.9% | $4,645+13.3% |