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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 | $33,490 | $60,349-44.5% | $74,184-54.9% | $62,881-46.7% |
| Participation rate | 46.3% | 72.7%-26.5pp | 76.6%-30.4pp | 69.3%-23.0pp |
| Annual return | 11.02% | 21.38%-10.4pp | 17.74%-6.7pp | 20.14%-9.1pp |
| Employer contribution / active EE | $723 | $1,680-56.9% | $2,370-69.5% | $2,281-68.3% |
| Participant deferral / active EE | $1,191 | $2,856-58.3% | $3,550-66.5% | $3,203-62.8% |
| Admin fee / account holder | $932 | $4,261-78.1% | $5,586-83.3% | $4,296-78.3% |