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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 | $32,524 | $41,016-20.7% | $152,093-78.6% | $64,097-49.3% |
| Participation rate | 20.5% | 51.3%-30.9pp | 77.8%-57.3pp | 55.2%-34.7pp |
| Annual return | 17.31% | 39.60%-22.3pp | 66.36%-49.0pp | 34.64%-17.3pp |
| Employer contribution / active EE | $605 | $1,342-54.9% | $4,175-85.5% | $1,891-68.0% |
| Participant deferral / active EE | $537 | $1,927-72.1% | $5,451-90.1% | $3,080-82.6% |
| Admin fee / account holder | $2,679 | $2,305+16.2% | $14,497-81.5% | $3,454-22.5% |