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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 | $178,205 | $73,787+141.5% | $98,716+80.5% | $82,448+116.1% |
| Participation rate | 44.2% | 61.4%-17.2pp | 69.3%-25.1pp | 68.1%-23.8pp |
| Annual return | 13.52% | 18.57%-5.0pp | 31.81%-18.3pp | 41.64%-28.1pp |
| Employer contribution / active EE | $573 | $1,511-62.1% | $2,279-74.9% | $2,551-77.5% |
| Participant deferral / active EE | $830 | $3,081-73.1% | $4,048-79.5% | $4,139-80.0% |
| Admin fee / account holder | $35,737 | $6,500+449.8% | $8,703+310.6% | $7,234+394.0% |