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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 | $38,585 | $64,501-40.2% | $108,753-64.5% | $65,306-40.9% |
| Participation rate | 40.0% | 50.8%-10.8pp | 71.1%-31.1pp | 57.7%-17.7pp |
| Annual return | 12.81% | 21.09%-8.3pp | 37.47%-24.7pp | 21.94%-9.1pp |
| Employer contribution / active EE | $195 | $1,069-81.7% | $2,427-91.9% | $1,967-90.1% |
| Participant deferral / active EE | $845 | $2,401-64.8% | $4,115-79.5% | $2,959-71.4% |
| Admin fee / account holder | $1,359 | $4,971-72.7% | $10,320-86.8% | $3,480-61.0% |