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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 | $60,498 | $88,672-31.8% | $105,223-42.5% | $82,448-26.6% |
| Participation rate | 22.7% | 67.9%-45.2pp | 75.0%-52.3pp | 68.1%-45.3pp |
| Annual return | 18.06% | 30.86%-12.8pp | 180.65%-162.6pp | 41.64%-23.6pp |
| Employer contribution / active EE | $0 | $3,048-100.0% | $3,689-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $864 | $4,036-78.6% | $5,072-83.0% | $4,139-79.1% |
| Admin fee / account holder | $4,114 | $7,146-42.4% | $8,859-53.6% | $7,234-43.1% |