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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 | $38,761 | $81,487-52.4% | $102,412-62.2% | $80,935-52.1% |
| Participation rate | 26.9% | 66.8%-39.9pp | 74.5%-47.6pp | 67.7%-40.7pp |
| Annual return | 14.16% | 25.60%-11.4pp | 24.94%-10.8pp | 35.66%-21.5pp |
| Employer contribution / active EE | $0 | $3,103-100.0% | $3,870-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $384 | $3,871-90.1% | $5,060-92.4% | $4,299-91.1% |
| Admin fee / account holder | $7,269 | $6,717+8.2% | $8,388-13.3% | $6,924+5.0% |