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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 | $120,694 | $101,795+18.6% | $165,100-26.9% | $80,959+49.1% |
| Participation rate | 40.7% | 71.8%-31.1pp | 78.6%-37.9pp | 67.7%-26.9pp |
| Annual return | 13.68% | 16.73%-3.1pp | 70.21%-56.5pp | 35.67%-22.0pp |
| Employer contribution / active EE | $1,339 | $2,954-54.7% | $4,348-69.2% | $2,757-51.4% |
| Participant deferral / active EE | $1,898 | $4,476-57.6% | $6,035-68.6% | $4,300-55.9% |
| Admin fee / account holder | $5,452 | $8,221-33.7% | $12,696-57.1% | $6,925-21.3% |