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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 | $28,605 | $63,809-55.2% | $81,353-64.8% | $80,935-64.7% |
| Participation rate | 23.0% | 63.9%-41.0pp | 69.5%-46.6pp | 67.7%-44.7pp |
| Annual return | 66.34% | 16.37%+50.0pp | 24.82%+41.5pp | 35.66%+30.7pp |
| Employer contribution / active EE | $475 | $1,981-76.0% | $2,464-80.7% | $2,757-82.8% |
| Participant deferral / active EE | $930 | $3,093-69.9% | $3,885-76.0% | $4,299-78.4% |
| Admin fee / account holder | $481 | $5,686-91.5% | $5,766-91.7% | $6,924-93.1% |