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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 | $36,299 | $61,660-41.1% | $80,022-54.6% | $64,173-43.4% |
| Participation rate | 48.3% | 71.7%-23.4pp | 75.8%-27.6pp | 69.6%-21.3pp |
| Annual return | -5.79% | -0.33%-5.5pp | 11.22%-17.0pp | 7.63%-13.4pp |
| Employer contribution / active EE | $490 | $1,810-72.9% | $2,468-80.1% | $2,381-79.4% |
| Participant deferral / active EE | $1,276 | $2,968-57.0% | $3,686-65.4% | $3,470-63.2% |
| Admin fee / account holder | $691 | $5,417-87.2% | $6,521-89.4% | $4,887-85.9% |