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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 | $43,439 | $50,082-13.3% | $93,419-53.5% | $79,852-45.6% |
| Participation rate | 25.7% | 60.9%-35.2pp | 66.8%-41.1pp | 69.6%-44.0pp |
| Annual return | 16.19% | 24.59%-8.4pp | 78.05%-61.9pp | 31.72%-15.5pp |
| Employer contribution / active EE | $458 | $1,303-64.9% | $2,075-77.9% | $2,471-81.5% |
| Participant deferral / active EE | $610 | $2,212-72.4% | $3,126-80.5% | $3,740-83.7% |
| Admin fee / account holder | $1,043 | $3,454-69.8% | $5,230-80.1% | $5,306-80.3% |