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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 | $78,659 | $91,198-13.7% | $178,503-55.9% | $79,856-1.5% |
| Participation rate | 15.0% | 69.2%-54.2pp | 81.9%-66.9pp | 69.6%-54.6pp |
| Annual return | 20.13% | 24.20%-4.1pp | 151.12%-131.0pp | 31.71%-11.6pp |
| Employer contribution / active EE | $500 | $3,257-84.6% | $5,011-90.0% | $2,471-79.8% |
| Participant deferral / active EE | $887 | $3,237-72.6% | $5,202-83.0% | $3,741-76.3% |
| Admin fee / account holder | $5,213 | $6,748-22.7% | $13,987-62.7% | $5,306-1.8% |