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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 | $64,816 | $56,894+13.9% | $84,753-23.5% | $62,881+3.1% |
| Participation rate | 15.4% | 68.5%-53.2pp | 76.6%-61.2pp | 69.3%-53.9pp |
| Annual return | 8.04% | 6.30%+1.7pp | 22.78%-14.7pp | 20.14%-12.1pp |
| Employer contribution / active EE | $0 | $2,400-100.0% | $3,574-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $480 | $2,709-82.3% | $3,712-87.1% | $3,203-85.0% |
| Admin fee / account holder | $19,060 | $3,581+432.3% | $5,333+257.4% | $4,296+343.7% |