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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 | $56,702 | $74,535-23.9% | $100,712-43.7% | $82,637-31.4% |
| Participation rate | 54.5% | 61.2%-6.6pp | 69.3%-14.7pp | 68.1%-13.5pp |
| Annual return | 16.31% | 18.92%-2.6pp | 33.27%-17.0pp | 53.51%-37.2pp |
| Employer contribution / active EE | $863 | $1,503-42.5% | $2,313-62.7% | $2,552-66.2% |
| Participant deferral / active EE | $1,200 | $3,074-61.0% | $4,085-70.6% | $4,126-70.9% |
| Admin fee / account holder | $9,315 | $6,576+41.6% | $9,256+0.6% | $7,339+26.9% |