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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 | $65,246-40.9% | $98,716-60.9% | $67,986-43.2% |
| Participation rate | 40.0% | 51.4%-11.4pp | 69.3%-29.3pp | 57.2%-17.2pp |
| Annual return | 12.81% | 20.58%-7.8pp | 31.81%-19.0pp | 31.67%-18.9pp |
| Employer contribution / active EE | $195 | $1,042-81.2% | $2,279-91.4% | $2,019-90.3% |
| Participant deferral / active EE | $845 | $2,594-67.4% | $4,048-79.1% | $3,358-74.8% |
| Admin fee / account holder | $1,359 | $4,561-70.2% | $8,703-84.4% | $3,203-57.6% |