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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 | $32,114 | $72,492-55.7% | $87,102-63.1% | $72,983-56.0% |
| Participation rate | 51.6% | 72.8%-21.2pp | 76.9%-25.3pp | 69.5%-17.9pp |
| Annual return | 22.75% | 24.46%-1.7pp | 28.19%-5.4pp | 81.01%-58.3pp |
| Employer contribution / active EE | $570 | $1,894-69.9% | $2,521-77.4% | $2,440-76.6% |
| Participant deferral / active EE | $1,064 | $3,270-67.5% | $4,048-73.7% | $3,608-70.5% |
| Admin fee / account holder | $2,632 | $5,055-47.9% | $7,491-64.9% | $5,124-48.6% |