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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 | $72,669 | $67,602+7.5% | $82,312-11.7% | $70,126+3.6% |
| Participation rate | 19.4% | 72.8%-53.4pp | 76.9%-57.5pp | 69.5%-50.2pp |
| Annual return | 12.18% | 21.57%-9.4pp | 25.88%-13.7pp | 73.15%-61.0pp |
| Employer contribution / active EE | $391 | $1,755-77.7% | $2,428-83.9% | $2,343-83.3% |
| Participant deferral / active EE | $1,245 | $2,987-58.3% | $3,706-66.4% | $3,332-62.6% |
| Admin fee / account holder | $1,712 | $4,512-62.1% | $5,608-69.5% | $4,645-63.2% |