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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 | $74,370 | $75,058-0.9% | $152,301-51.2% | $64,340+15.6% |
| Participation rate | 20.0% | 60.9%-40.9pp | 82.4%-62.4pp | 55.2%-35.2pp |
| Annual return | 21.62% | 29.93%-8.3pp | 80.50%-58.9pp | 24.14%-2.5pp |
| Employer contribution / active EE | $417 | $2,605-84.0% | $4,624-91.0% | $1,862-77.6% |
| Participant deferral / active EE | $676 | $5,041-86.6% | $8,004-91.6% | $2,980-77.3% |
| Admin fee / account holder | $885 | $4,050-78.2% | $14,398-93.9% | $3,703-76.1% |