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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 | $51,563 | $41,377+24.6% | $109,313-52.8% | $62,881-18.0% |
| Participation rate | 12.0% | 57.5%-45.5pp | 71.3%-59.2pp | 69.3%-57.3pp |
| Annual return | 10.26% | 11.05%-0.8pp | 22.07%-11.8pp | 20.14%-9.9pp |
| Employer contribution / active EE | $430 | $1,276-66.3% | $3,892-88.9% | $2,281-81.1% |
| Participant deferral / active EE | $619 | $2,045-69.7% | $3,166-80.5% | $3,203-80.7% |
| Admin fee / account holder | $1,821 | $2,884-36.9% | $5,666-67.9% | $4,296-57.6% |