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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 | $91,209 | $82,674+10.3% | $125,381-27.3% | $68,486+33.2% |
| Participation rate | 25.6% | 75.1%-49.4pp | 82.4%-56.7pp | 67.9%-42.3pp |
| Annual return | -16.48% | -5.97%-10.5pp | 572.31%-588.8pp | -7.85%-8.6pp |
| Employer contribution / active EE | $958 | $3,382-71.7% | $4,815-80.1% | $2,597-63.1% |
| Participant deferral / active EE | $2,101 | $6,111-65.6% | $7,448-71.8% | $4,028-47.8% |
| Admin fee / account holder | $12,231 | $6,277+94.9% | $10,007+22.2% | $5,404+126.3% |