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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 | $91,413 | $93,345-2.1% | $119,126-23.3% | $87,485+4.5% |
| Participation rate | 22.5% | 68.7%-46.2pp | 75.8%-53.3pp | 68.9%-46.4pp |
| Annual return | 18.22% | 19.08%-0.9pp | 282.11%-263.9pp | 26.06%-7.8pp |
| Employer contribution / active EE | $860 | $3,172-72.9% | $4,034-78.7% | $2,596-66.9% |
| Participant deferral / active EE | $1,328 | $4,099-67.6% | $5,318-75.0% | $4,274-68.9% |
| Admin fee / account holder | $9,373 | $8,039+16.6% | $10,693-12.3% | $7,775+20.6% |