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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 | $123,478+11.7% | $216,567-36.3% | $94,015+46.7% |
| Participation rate | 5.3% | 75.1%-69.8pp | 81.6%-76.4pp | 70.8%-65.6pp |
| Annual return | 13.90% | 23.61%-9.7pp | 12.94%+1.0pp | 17.84%-3.9pp |
| Employer contribution / active EE | $0 | $3,136-100.0% | $5,216-100.0% | $2,790-100.0% |
| Participant deferral / active EE | $135 | $4,556-97.0% | $6,191-97.8% | $4,249-96.8% |
| Admin fee / account holder | $4,812 | $12,753-62.3% | $21,981-78.1% | $8,951-46.2% |