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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 | $35,416 | $81,487-56.5% | $102,412-65.4% | $80,935-56.2% |
| Participation rate | 30.0% | 66.8%-36.8pp | 74.5%-44.5pp | 67.7%-37.7pp |
| Annual return | 12.78% | 25.60%-12.8pp | 24.94%-12.2pp | 35.66%-22.9pp |
| Employer contribution / active EE | $814 | $3,103-73.8% | $3,870-79.0% | $2,757-70.5% |
| Participant deferral / active EE | $1,489 | $3,871-61.5% | $5,060-70.6% | $4,299-65.4% |
| Admin fee / account holder | $3,177 | $6,717-52.7% | $8,388-62.1% | $6,924-54.1% |