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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 | $74,318 | $58,057+28.0% | $97,032-23.4% | $86,983-14.6% |
| Participation rate | 66.7% | 60.4%+6.3pp | 71.6%-4.9pp | 69.5%-2.9pp |
| Annual return | 13.58% | 22.26%-8.7pp | 35.38%-21.8pp | 25.83%-12.2pp |
| Employer contribution / active EE | $0 | $1,663-100.0% | $2,629-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $705 | $3,244-78.3% | $4,672-84.9% | $4,194-83.2% |
| Admin fee / account holder | $12,481 | $4,839+157.9% | $9,418+32.5% | $7,856+58.9% |