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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 | $78,586 | $76,407+2.9% | $150,298-47.7% | $82,448-4.7% |
| Participation rate | 15.6% | 66.4%-50.8pp | 77.8%-62.1pp | 68.1%-52.4pp |
| Annual return | 19.09% | 39.99%-20.9pp | 62.79%-43.7pp | 41.64%-22.6pp |
| Employer contribution / active EE | $400 | $2,614-84.7% | $4,154-90.4% | $2,551-84.3% |
| Participant deferral / active EE | $707 | $3,214-78.0% | $5,453-87.0% | $4,139-82.9% |
| Admin fee / account holder | $2,078 | $6,352-67.3% | $14,116-85.3% | $7,234-71.3% |