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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 | $98,586 | $72,273+36.4% | $101,275-2.7% | $79,856+23.5% |
| Participation rate | 60.0% | 68.5%-8.5pp | 75.8%-15.8pp | 69.6%-9.6pp |
| Annual return | 16.91% | 22.30%-5.4pp | 46.48%-29.6pp | 31.71%-14.8pp |
| Employer contribution / active EE | $1,958 | $2,691-27.2% | $3,660-46.5% | $2,471-20.8% |
| Participant deferral / active EE | $1,142 | $3,282-65.2% | $4,371-73.9% | $3,741-69.5% |
| Admin fee / account holder | $1,303 | $4,401-70.4% | $5,948-78.1% | $5,306-75.4% |