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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 | $45,607 | $74,535-38.8% | $100,712-54.7% | $82,637-44.8% |
| Participation rate | 41.4% | 61.2%-19.8pp | 69.3%-27.9pp | 68.1%-26.7pp |
| Annual return | 14.37% | 18.92%-4.6pp | 33.27%-18.9pp | 53.51%-39.1pp |
| Employer contribution / active EE | $0 | $1,503-100.0% | $2,313-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $348 | $3,074-88.7% | $4,085-91.5% | $4,126-91.6% |
| Admin fee / account holder | $1,852 | $6,576-71.8% | $9,256-80.0% | $7,339-74.8% |