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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 | $61,878 | $77,962-20.6% | $178,540-65.3% | $80,935-23.5% |
| Participation rate | 29.1% | 65.7%-36.6pp | 77.1%-48.0pp | 67.7%-38.6pp |
| Annual return | 12.08% | 18.10%-6.0pp | 27.15%-15.1pp | 35.66%-23.6pp |
| Employer contribution / active EE | $0 | $2,280-100.0% | $3,953-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,228 | $4,404-72.1% | $6,281-80.5% | $4,299-71.4% |
| Admin fee / account holder | $543 | $7,156-92.4% | $10,424-94.8% | $6,924-92.2% |