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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 | $72,620 | $80,674-10.0% | $119,126-39.0% | $64,340+12.9% |
| Participation rate | 20.1% | 55.2%-35.1pp | 75.8%-55.6pp | 55.2%-35.1pp |
| Annual return | 12.44% | 26.86%-14.4pp | 282.11%-269.7pp | 24.14%-11.7pp |
| Employer contribution / active EE | $635 | $2,564-75.2% | $4,034-84.3% | $1,862-65.9% |
| Participant deferral / active EE | $1,381 | $3,053-54.8% | $5,318-74.0% | $2,980-53.7% |
| Admin fee / account holder | $15,160 | $4,559+232.5% | $10,693+41.8% | $3,703+309.4% |