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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 | $174,161 | $73,787+136.0% | $98,716+76.4% | $82,448+111.2% |
| Participation rate | 44.1% | 61.4%-17.3pp | 69.3%-25.2pp | 68.1%-24.0pp |
| Annual return | 15.48% | 18.57%-3.1pp | 31.81%-16.3pp | 41.64%-26.2pp |
| Employer contribution / active EE | $831 | $1,511-45.0% | $2,279-63.5% | $2,551-67.4% |
| Participant deferral / active EE | $921 | $3,081-70.1% | $4,048-77.2% | $4,139-77.7% |
| Admin fee / account holder | $5,403 | $6,500-16.9% | $8,703-37.9% | $7,234-25.3% |