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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 | $28,897 | $53,412-45.9% | $68,509-57.8% | $52,331-44.8% |
| Participation rate | 38.9% | 71.7%-32.8pp | 74.7%-35.8pp | 68.1%-29.2pp |
| Annual return | 0.58% | 3.42%-2.8pp | 8.27%-7.7pp | 4.54%-4.0pp |
| Employer contribution / active EE | $489 | $1,607-69.6% | $2,278-78.5% | $1,882-74.0% |
| Participant deferral / active EE | $1,012 | $2,688-62.4% | $3,382-70.1% | $3,022-66.5% |
| Admin fee / account holder | $491 | $461+6.6% | $5,275-90.7% | $592-17.0% |