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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 | $59,241 | $76,112-22.2% | $96,534-38.6% | $71,511-17.2% |
| Participation rate | 35.7% | 74.4%-38.7pp | 76.0%-40.3pp | 67.9%-32.2pp |
| Annual return | 14.46% | 22.81%-8.3pp | 25.88%-11.4pp | 28.86%-14.4pp |
| Employer contribution / active EE | $945 | $2,248-57.9% | $2,965-68.1% | $2,589-63.5% |
| Participant deferral / active EE | $1,352 | $4,217-67.9% | $4,851-72.1% | $4,291-68.5% |
| Admin fee / account holder | $4,619 | $2,708+70.5% | $8,253-44.0% | $1,588+190.8% |