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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 | $38,418 | $79,856-51.9% | $27,002+42.3% | $79,856-51.9% |
| Participation rate | 49.4% | 69.6%-20.2pp | 74.7%-25.3pp | 69.6%-20.2pp |
| Annual return | 15.36% | 31.71%-16.3pp | 10.73%+4.6pp | 31.71%-16.3pp |
| Employer contribution / active EE | $982 | $2,471-60.3% | $697+40.9% | $2,471-60.3% |
| Participant deferral / active EE | $0 | $3,741-100.0% | $392-100.0% | $3,741-100.0% |
| Admin fee / account holder | $1,160 | $5,306-78.1% | $1,456-20.3% | $5,306-78.1% |