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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 | $70,573 | $58,493+20.7% | $84,021-16.0% | $72,975-3.3% |
| Participation rate | 26.0% | 61.2%-35.3pp | 69.0%-43.0pp | 69.5%-43.5pp |
| Annual return | 17.38% | 28.93%-11.6pp | 71.32%-53.9pp | 81.01%-63.6pp |
| Employer contribution / active EE | $436 | $1,163-62.5% | $1,984-78.0% | $2,440-82.1% |
| Participant deferral / active EE | $819 | $2,394-65.8% | $3,239-74.7% | $3,608-77.3% |
| Admin fee / account holder | $25,191 | $4,569+451.4% | $6,102+312.9% | $5,124+391.6% |