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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 | $129,607 | $63,773+103.2% | $81,286+59.4% | $80,925+60.2% |
| Participation rate | 19.7% | 63.9%-44.2pp | 69.5%-49.8pp | 67.7%-48.0pp |
| Annual return | 14.55% | 16.37%-1.8pp | 24.80%-10.2pp | 35.65%-21.1pp |
| Employer contribution / active EE | $492 | $1,979-75.1% | $2,463-80.0% | $2,756-82.1% |
| Participant deferral / active EE | $847 | $3,093-72.6% | $3,883-78.2% | $4,299-80.3% |
| Admin fee / account holder | $2,273 | $5,682-60.0% | $5,764-60.6% | $6,940-67.2% |