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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 | $68,812 | $72,272-4.8% | $101,264-32.0% | $79,858-13.8% |
| Participation rate | 26.7% | 68.5%-41.8pp | 75.8%-49.1pp | 69.6%-43.0pp |
| Annual return | 13.89% | 22.30%-8.4pp | 46.48%-32.6pp | 31.72%-17.8pp |
| Employer contribution / active EE | $652 | $2,692-75.8% | $3,660-82.2% | $2,471-73.6% |
| Participant deferral / active EE | $1,375 | $3,282-58.1% | $4,370-68.5% | $3,740-63.2% |
| Admin fee / account holder | $694 | $4,401-84.2% | $5,947-88.3% | $5,306-86.9% |