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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 | $40,042 | $65,034-38.4% | $90,970-56.0% | $79,856-49.9% |
| Participation rate | 68.2% | 61.6%+6.6pp | 69.0%-0.8pp | 69.6%-1.4pp |
| Annual return | 11.61% | 30.45%-18.8pp | 134.60%-123.0pp | 31.71%-20.1pp |
| Employer contribution / active EE | $471 | $1,247-62.3% | $2,122-77.8% | $2,471-81.0% |
| Participant deferral / active EE | $1,108 | $2,512-55.9% | $3,373-67.1% | $3,741-70.4% |
| Admin fee / account holder | $1,432 | $4,536-68.4% | $5,961-76.0% | $5,306-73.0% |