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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 | $41,539 | $81,504-49.0% | $102,437-59.4% | $80,959-48.7% |
| Participation rate | 60.4% | 66.9%-6.5pp | 74.5%-14.1pp | 67.7%-7.3pp |
| Annual return | 12.38% | 25.60%-13.2pp | 24.95%-12.6pp | 35.67%-23.3pp |
| Employer contribution / active EE | $2,012 | $3,104-35.2% | $3,871-48.0% | $2,757-27.0% |
| Participant deferral / active EE | $1,347 | $3,871-65.2% | $5,060-73.4% | $4,300-68.7% |
| Admin fee / account holder | $3,050 | $6,719-54.6% | $8,388-63.6% | $6,925-56.0% |