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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 | $40,249 | $65,703-38.7% | $94,224-57.3% | $59,632-32.5% |
| Participation rate | 55.6% | 72.1%-16.6pp | 78.8%-23.2pp | 68.7%-13.1pp |
| Annual return | 21.44% | 5.22%+16.2pp | 10.68%+10.8pp | 2041.32%-2019.9pp |
| Employer contribution / active EE | $0 | $2,021-100.0% | $3,587-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $1,075 | $3,143-65.8% | $4,320-75.1% | $3,192-66.3% |
| Admin fee / account holder | $14,188 | $4,264+232.7% | $6,269+126.3% | $4,297+230.2% |