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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 | $58,408 | $101,795-42.6% | $165,100-64.6% | $80,959-27.9% |
| Participation rate | 68.2% | 71.8%-3.6pp | 78.6%-10.4pp | 67.7%+0.5pp |
| Annual return | 12.01% | 16.73%-4.7pp | 70.21%-58.2pp | 35.67%-23.7pp |
| Employer contribution / active EE | $988 | $2,954-66.6% | $4,348-77.3% | $2,757-64.2% |
| Participant deferral / active EE | $1,599 | $4,476-64.3% | $6,035-73.5% | $4,300-62.8% |
| Admin fee / account holder | $3,772 | $8,221-54.1% | $12,696-70.3% | $6,925-45.5% |