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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 | $46,503 | $61,356-24.2% | $149,696-68.9% | $71,511-35.0% |
| Participation rate | 29.0% | 62.5%-33.5pp | 78.8%-49.8pp | 67.9%-38.9pp |
| Annual return | 29.95% | 35.86%-5.9pp | 134.46%-104.5pp | 28.86%+1.1pp |
| Employer contribution / active EE | $1,000 | $2,382-58.0% | $4,821-79.3% | $2,589-61.4% |
| Participant deferral / active EE | $452 | $2,920-84.5% | $5,682-92.1% | $4,291-89.5% |
| Admin fee / account holder | $605 | $1,263-52.1% | $13,212-95.4% | $1,588-61.9% |