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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 | $26,160 | $72,177-63.8% | $115,038-77.3% | $59,633-56.1% |
| Participation rate | 46.3% | 72.6%-26.2pp | 81.4%-35.0pp | 68.7%-22.3pp |
| Annual return | -1.09% | 12.02%-13.1pp | 26.14%-27.2pp | 2041.45%-2042.5pp |
| Employer contribution / active EE | $3,224 | $2,841+13.5% | $4,608-30.0% | $2,203+46.4% |
| Participant deferral / active EE | $1,525 | $4,783-68.1% | $6,026-74.7% | $3,192-52.2% |
| Admin fee / account holder | $773 | $4,927-84.3% | $8,175-90.5% | $4,297-82.0% |