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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 | $55,078 | $48,432+13.7% | $121,210-54.6% | $71,529-23.0% |
| Participation rate | 22.6% | 54.3%-31.8pp | 69.5%-47.0pp | 67.9%-45.4pp |
| Annual return | 21.11% | 23.28%-2.2pp | 987.41%-966.3pp | 28.97%-7.9pp |
| Employer contribution / active EE | $472 | $1,493-68.4% | $4,171-88.7% | $2,590-81.8% |
| Participant deferral / active EE | $555 | $2,756-79.9% | $4,084-86.4% | $4,291-87.1% |
| Admin fee / account holder | $3,985 | $1,845+116.0% | $5,647-29.4% | $1,588+150.8% |