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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 | $31,478 | $41,377-23.9% | $109,313-71.2% | $62,881-49.9% |
| Participation rate | 13.6% | 57.5%-43.9pp | 71.3%-57.6pp | 69.3%-55.7pp |
| Annual return | 5.57% | 11.05%-5.5pp | 22.07%-16.5pp | 20.14%-14.6pp |
| Employer contribution / active EE | $220 | $1,276-82.8% | $3,892-94.4% | $2,281-90.4% |
| Participant deferral / active EE | $611 | $2,045-70.1% | $3,166-80.7% | $3,203-80.9% |
| Admin fee / account holder | $3,649 | $2,884+26.5% | $5,666-35.6% | $4,296-15.0% |