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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 | $21,443 | $71,215-69.9% | $93,696-77.1% | $80,935-73.5% |
| Participation rate | 20.4% | 60.4%-40.0pp | 68.7%-48.4pp | 67.7%-47.3pp |
| Annual return | 14.35% | 11.27%+3.1pp | 133.74%-119.4pp | 35.66%-21.3pp |
| Employer contribution / active EE | $400 | $1,565-74.4% | $2,422-83.5% | $2,757-85.5% |
| Participant deferral / active EE | $807 | $4,037-80.0% | $4,417-81.7% | $4,299-81.2% |
| Admin fee / account holder | $3,061 | $6,958-56.0% | $8,287-63.1% | $6,924-55.8% |