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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 | $42,059 | $56,484-25.5% | $169,452-75.2% | $64,173-34.5% |
| Participation rate | 20.0% | 64.5%-44.5pp | 77.8%-57.8pp | 69.6%-49.6pp |
| Annual return | 4.13% | -1.55%+5.7pp | 1.83%+2.3pp | 7.63%-3.5pp |
| Employer contribution / active EE | $0 | $1,832-100.0% | $4,157-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $612 | $3,448-82.2% | $5,277-88.4% | $3,470-82.4% |
| Admin fee / account holder | $1,339 | $4,174-67.9% | $9,110-85.3% | $4,887-72.6% |