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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 | $49,163 | $75,058-34.5% | $152,301-67.7% | $64,340-23.6% |
| Participation rate | 22.4% | 60.9%-38.5pp | 82.4%-60.0pp | 55.2%-32.8pp |
| Annual return | 25.31% | 29.93%-4.6pp | 80.50%-55.2pp | 24.14%+1.2pp |
| Employer contribution / active EE | $609 | $2,605-76.6% | $4,624-86.8% | $1,862-67.3% |
| Participant deferral / active EE | $1,198 | $5,041-76.2% | $8,004-85.0% | $2,980-59.8% |
| Admin fee / account holder | $4,043 | $4,050-0.2% | $14,398-71.9% | $3,703+9.2% |