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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 | $58,670 | $95,453-38.5% | $112,040-47.6% | $82,448-28.8% |
| Participation rate | 51.9% | 72.8%-20.9pp | 76.5%-24.6pp | 68.1%-16.2pp |
| Annual return | 12.70% | 23.92%-11.2pp | 24.52%-11.8pp | 41.64%-28.9pp |
| Employer contribution / active EE | $1,320 | $2,318-43.1% | $2,954-55.3% | $2,551-48.3% |
| Participant deferral / active EE | $1,910 | $4,224-54.8% | $5,098-62.5% | $4,139-53.9% |
| Admin fee / account holder | $8,869 | $9,013-1.6% | $12,098-26.7% | $7,234+22.6% |