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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 | $59,748 | $76,834-22.2% | $108,359-44.9% | $87,485-31.7% |
| Participation rate | 34.6% | 61.7%-27.1pp | 70.1%-35.5pp | 68.9%-34.3pp |
| Annual return | 13.72% | 19.09%-5.4pp | 36.89%-23.2pp | 26.06%-12.3pp |
| Employer contribution / active EE | $560 | $1,556-64.0% | $2,399-76.7% | $2,596-78.4% |
| Participant deferral / active EE | $726 | $3,100-76.6% | $4,137-82.4% | $4,274-83.0% |
| Admin fee / account holder | $26,362 | $6,537+303.3% | $9,741+170.6% | $7,775+239.1% |