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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 | $49,022 | $80,705-39.3% | $115,768-57.7% | $67,986-27.9% |
| Participation rate | 25.8% | 63.0%-37.1pp | 74.4%-48.6pp | 57.2%-31.4pp |
| Annual return | 15.21% | 18.49%-3.3pp | 100.46%-85.3pp | 31.67%-16.5pp |
| Employer contribution / active EE | $729 | $2,046-64.4% | $2,940-75.2% | $2,019-63.9% |
| Participant deferral / active EE | $1,325 | $3,559-62.8% | $4,917-73.1% | $3,358-60.5% |
| Admin fee / account holder | $10,740 | $4,135+159.7% | $12,439-13.7% | $3,203+235.3% |