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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 | $137,952 | $114,712+20.3% | $173,730-20.6% | $87,485+57.7% |
| Participation rate | 5.3% | 73.0%-67.7pp | 79.6%-74.3pp | 68.9%-63.7pp |
| Annual return | 13.90% | 20.18%-6.3pp | 19.96%-6.1pp | 26.06%-12.2pp |
| Employer contribution / active EE | $0 | $2,904-100.0% | $4,577-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $135 | $4,642-97.1% | $6,326-97.9% | $4,274-96.8% |
| Admin fee / account holder | $4,812 | $10,210-52.9% | $17,523-72.5% | $7,775-38.1% |